A monthly bill tracker: what’s due, what’s paid and what’s leftA monthly bill tracker: what’s due, what’s paid and what’s left

Rent on the 1st, power on the 5th, the loan on the 7th, school on the 10th, internet on the 18th. The bills are the same every month, but each falls on a different day, some change amount, and some only come every two or three months. Keeping them in your head or in a spreadsheet works until the month one slips and turns up with a late fee.

In Llegamos, a payment is what repeats: rent, utilities, phones, a subscription. You enter it once and it shows up every time it’s due. A one-off, like a dinner or a pair of sneakers, is an expense, entered separately on the day you spent it. Keeping the two apart is what tells you, from day one, how much the fixed bills will take this month.

1. Enter each bill once

   Name, amount, currency and the first due date. Choose how often it’s due: weekly, monthly, every two, three or six months, yearly or another interval. If it ends, like a loan, give it an end date; if not, it runs until you archive it.

2. Each month brings its due dates

   Nothing to copy from one month to the next: the new month already has its bills, in date order. If a bill came in different, change the amount or the date for that month only and the rule stays the same. If it doesn’t apply one month, skip it.

3. Mark it paid with one tap

   It records who paid it and when. Anything not paid on time shows as overdue, at the top, until someone marks it.

4. See what you have left

   The summary sets what comes in against what the bills, the expenses and your set-asides take, and tells you what you have today and what you’ll have left at the end of the month if everything comes in and you pay everything.

So you don’t have to remember to open the app, each person picks the time a reminder of what’s due reaches them. More on that in bill reminders.

This is Llegamos’s sample month: a home of three, fourteen bills in Uruguayan pesos and one income in dollars, as of 30 September. The figures are made up to show how it adds up.

The building fees don’t come out of this month’s income: the pocket that had been saving for them paid. And the US$ 500 is never added to the pesos: each currency keeps its own account. Try it: tick the overdue bills and watch what changes.

Paying an overdue bill lowers what you have today, but what you’ll have left at the end of the month stays put: that bill was counted from the start. That’s why the bottom figure is the one to decide with, before the bills arrive.

Car tax, car insurance or property tax are bills like any other; they just fall due every few months. Enter them with their frequency and the What’s ahead screen shows them ahead of time, with how much to set aside each month to get there without a scramble. You can give the bill a pocket and pay it from there when it’s due: see savings pockets, or run the numbers first with the monthly savings calculator.

• Just you, to stop paying late fees and know whether you’ll make it to the end of the month.
• A couple sharing one list: both see what’s paid and who paid it. To split costs too, see shared expenses.
• A family or housemates, with as many people as you like in one group, on the free plan too.
• Anyone paid or billed in dollars: each bill keeps its currency, and no amount is ever stored converted (multiple currencies).

• It doesn’t pay for you. Llegamos moves no money: you pay where you always do and mark it in the app.
• It doesn’t connect to your bank or read your cards. What’s in the app is what you entered.
• Nothing ticks itself off. A bill stays pending until someone marks it paid, even after its date.

Bills are unlimited on the free plan, and so are reminders on your device. Pro removes the ads and adds unlimited groups, email reminders and a weekly digest every Monday.