Know which bill comes first.
BillTriage is a bill organizer for the weeks when the math is tight. Scan a paper bill or share a screenshot — it reads the due date and amount, puts every bill in one list, and orders them by what actually matters: shutoffs and evictions first, late fees later.
How it works
Scan or share
Point the camera at a paper bill, or share a screenshot from your biller's app or email. Text is read on your phone — nothing is uploaded.
Check what it read
The due date, amount, and biller are pre-filled. Anything the app isn't sure about is flagged so you confirm it. Nothing is saved until you say so.
See what comes first
Every bill gets a rank and a plain-language reason. Tell it what you can spare after essentials, and it shows what that money covers — and what to do about the rest.
How it ranks bills
Most budgeting apps sort by due date or amount. BillTriage sorts by consequence. A bill can never outrank a shutoff notice just because it is bigger or due sooner. The rules are fixed, published, and shown to you every time — no AI guesses, no hidden scores.
- Shelter, utilities, car, insurance, courtEviction, foreclosure, shutoff, repossession, license suspension, court or garnishment deadlines, insurance coverage lapse — anything with a date that changes your life.
- Amounts you already agreed toPayment plans and arrangements. Paying the agreed amount keeps the deal alive.
- Late fees and credit reportingCredit card minimums and bills with a late fee, but no shutoff or legal action known.
- No immediate consequenceMost medical bills land here. They matter, but they usually move slowly — housing and utilities come first.
- Optional subscriptionsCanceling is often the right answer.
Within a tier, sooner deadlines come first, and smaller amounts that prevent a consequence come before bigger ones — so the same money stops more bad things. You can override any rank: you know things the app can't. Read the full guide to which bills to pay first.
Built for the tight weeks
Never touch the grocery money
The app asks what you can spare after food, medicine, transportation, and childcare. It plans from that number only. If there isn't enough for everything, it says so honestly and tells you who to call.
Private by design
No account. No cloud. No ads. No tracking. Your bills stay on your phone in an encrypted database. The app makes no network requests to us — we couldn't see your data if we wanted to. One-page privacy policy.
Never moves your money
BillTriage links you to your biller's official website to pay. It never processes payments and never asks for bank details. Scanned links are checked against a list of known billers before they're tappable.
Honest about uncertainty
A date read from a crumpled bill might be wrong. The app marks what it isn't sure about, and a guessed date never outranks one you confirmed. A wrong date is worse than a blank one.
Tells you who to call
When the money doesn't stretch, the next step is a phone call, not a payment. The app shows what to ask your utility, landlord, hospital, or card issuer — in plain words.
Calm reminders
"Electric bill $142 due Friday." No alarm emoji, no shaming, quiet hours by default. Reminders are scheduled on your phone, not sent from a server.
Free tools — no app needed
The same rules the app uses, running in your browser. Nothing you type is sent anywhere.
Which bill should I pay first?
Enter your bills and what you can spare. Get a ranked list with reasons and a plan for what that money covers.
Late fee cost calculator
What does paying a bill late actually cost, and is it ever the cheaper choice?
Essentials-first budget
Set aside food, medicine, and transportation first. See what is truly spendable before your next payday.
Guides
Which bills to pay first when you can't pay them all
The order that protects your home, your power, and your car.
Can't pay the electric or gas bill?
How shutoffs work, the protections many states have, and what to ask for.
How to ask for a payment plan
Word-for-word scripts for utilities, card issuers, hospitals, and landlords.
Get BillTriage
Coming soon to Google Play for Android. $2.99, once — no subscription, no in-app purchases, no ads. Everything is included, including encrypted backup and restore. US billers and bill formats. iPhone version planned after the Android launch.
Ask for early accessQuestions
Which bills should I pay first when I can't pay them all?
Pay by consequence, not by size. First, anything that threatens your home, your utilities, your car, your insurance, or a court deadline. Second, payment-plan amounts you already agreed to. Third, bills with a late fee or credit reporting. Last, bills with no immediate consequence (most medical bills) and optional subscriptions. Never use money set aside for food, medicine, or getting to work. Full guide.
Does BillTriage connect to my bank or pay bills for me?
No. It never moves money and never asks for bank or card details. It links you to your biller's official website so you can pay there.
Where is my bill data stored?
Only on your phone, in an encrypted database. There is no account, no cloud, and the app makes no network requests to us. Uninstalling the app deletes everything.
How much does it cost?
$2.99, once. No subscription, no in-app purchases, no ads. Comparable bill-tracking apps charge around $3 every month.
Does it use AI?
Text recognition runs on your phone to read the scan. Ranking and budgeting use fixed rules written by people, and every rank shows its reason. No AI ever decides what you should pay.
Is this financial advice?
No. BillTriage is a planning tool. It ranks bills using published rules and shows its reasoning, but your billers' and your state's actual rules control. When it isn't sure, it says so and tells you who to call.