Smart Bill: Bill & Due Tracker

Never miss an upcoming bill or get caught off guard by forgotten subscription renewals. Smart Bill Manager is your private, local-first household money assistant. Track recurring bills, streaming services, everyday out-of-pocket expenses, and product warranties in one secure place—without ever linking your personal bank account.

⚡ KNOW WHAT YOU CAN SAFELY SPEND
• Live Discretionary Cash Formula: Automatically calculates your true Safe-to-Spend balance after setting aside funds for upcoming committed bills.
• "What-If" Purchase Sandbox: Test discretionary purchases against your cash runway before committing funds.
• Spending Pace Alerts: Proactive alerts notify you if daily spending will exceed your monthly budget before month-end.

📅 SMART BILLS & UTILITIES MANAGEMENT
• Timely Payment Reminders: Local alerts keep you ahead of electricity, rent, mortgage, internet, and insurance deadlines.
• Swipe-to-Action Gestures: Swipe right to instantly mark a bill paid; swipe left to edit details in seconds.
• Adaptive Recurrence Engine: Handles weekly, bi-weekly, monthly, quarterly, and annual payment cycles with month-end date clamping.
• Interactive Monthly Calendar: Visual grid showing exact daily due dates and daily commitment totals.
• Payment Proof Archiving: Attach camera photos of receipts, transfer screenshots, or invoices directly to any bill card.

📺 SUBSCRIPTIONS & EXPENSE TRACKING
• Subscription Vault: Keep track of streaming, software, and gym services with renewal countdowns.
• Free Trial Countdown: Receive advance notifications before free trials convert into paid subscriptions.
• Price Hike Detection: Automatically track recurring cost changes over time.
• Rapid Cash Log: Record daily out-of-pocket expenses in seconds.

🛡️ WARRANTY VAULT & ON-DEVICE SCANNER
• Return Windows & Warranty Tracking: Monitor purchase dates, 14/30-day return deadlines, and warranty expirations so you never lose claim rights.
• Local AI Receipt Scanner: On-device OCR extracts totals, merchants, and dates without sending your photos to external servers.

🔒 100% PRIVATE, OFFLINE-FIRST & SECURE
• Zero Bank Sync Required: We never ask for your bank login credentials or connect third-party data brokers.
• Local Data Sovereignty: All bills, receipts, cash logs, and budgets reside exclusively on your device in a sandboxed, encrypted database.
• Enterprise Biometric Lock: Safeguard your financial records with Fingerprint, Face Unlock, and background privacy window curtains (FLAG_SECURE).
• AES-256 Encrypted Backups: Create password-protected database backups anytime.

📊 CONTROL & PORTABILITY
• Interactive Home Screen Widgets: Check upcoming bills and record cash expenses directly from your Android launcher.
• Financial Statements: Generate itemized CSV spreadsheets and multi-page branded PDF reports for tax preparation and personal planning.
• Sinking Funds & Savings Goals: Set target milestones with visual celebrations at 25%, 50%, 75%, and 100% completion.

Take control of your household commitments with confidence and complete privacy.

Recent changes:
• Unified Financial Cockpit: Safe-to-Spend and bill summaries combined into a single, intuitive hero card.
• Harmonised Dashboard: Standardised uniform card heights across the carousel for smooth, jump-free swiping.
• Cleaner Ad Layout: Removed duplicate banner on Analytics; streamlined banner placement across screens.
• Top Bar Ergonomics: Upgraded actions with an overflow menu to prevent title clipping.
• UI & Performance Polish: Fluid micro-animations and Material 3 design enhancements.