Track
Record money in and money out.
Small steps. A clearer picture.
Plan
Set a monthly spending limit.
Understand
Ask for AI-assisted insights.
How it works
A small habit.
A better view.
A few records at a time are enough to start understanding your money.
Give your money a place
Make groups such as Salary and Food in Categories. Choose a currency when you create your account.
Add the small things
Record what you earn and spend in Transactions. A date, amount, and category help you keep track.
Plan the next month
Set a spending limit in Budgets. Check your Dashboard to see how your month is going.
See the bigger picture
Your month,
at a glance.
See what came in, what went out, and what is left. A category budget gives each part of your spending a limit.
When you want another view, ask AI Insights for a summary of your records.
Example monthIllustrative data
- Income
- 100
- Expenses
- 30
- Balance
- 70
100 in − 30 out = 70 left
Food budget
30 of 50 used20 left in this budget
These are example amounts. Your app shows the records you add, in your chosen currency.
A few useful answers
Before you
get started.
New to tracking your money? Start small. You can build the habit as you go.
How do my transactions get into the app?
You enter your own income and expenses in Transactions. The dashboard uses the records you add, so keeping them up to date helps you see your month clearly.
Can I use BillUtilityAI on my phone?
Yes. Open the app in your browser. On smaller screens, use the menu at the top to find Transactions, Budgets, and the other pages.
What does the AI help with?
AI Insights offers monthly summaries and savings ideas based on your recorded activity. AI can make mistakes, so check its ideas before you act on them.
Can I fix a record after saving it?
Yes. Open Transactions, choose Edit beside the record, update its details, and choose Save. History lets you review recent changes.
One record is a start
Make room for
a clearer month.
Add your first income or expense, then take it from there.