Turn paid bills into a clearer financial picture
Understand what is committed, what was actually paid, where the money went, and how one month compares with the next—without connecting a bank account.
See the longer story
Review Bills-to-Income, monthly comparisons, card spending, categories, tags, trends, and a continuous rolling 12-month history.
Focus on any period
Choose this month, last month, 7 or 30 days, year to date, or a custom range and see only the paid bills inside it.
Keep a readable record
Generate polished A4 reports with summaries, charts, breakdowns, and bill details ready to print, save, or share.
Overview: now and the last 12 months
Overview begins with the figures that help with the current month: the share of income committed to bills, a comparison with the previous month, and spending by payment card. The Last 12 Months group then brings together paid and income summaries, category and tag breakdowns, spending trends, and monthly history.
Monthly History keeps all 12 months visible—even months with no activity—so a quiet month does not create a misleading gap. Open a month to review paid amounts and counts, total bills, income, and the individual income entries already stored in Billiary.
Spending: investigate a period
The Spending tab is based on paid dates rather than due dates. This makes it useful for questions such as “What did I actually pay this month?” or “How much did I spend during this trip?” Choose a preset period or set an inclusive custom range.
| Section | What it shows |
|---|---|
| Spending Summary | Totals in every native currency, plus Premium item count, daily average, and highest expense. |
| Spending by Category | A category list for everyone and a Premium donut chart for the selected currency. |
| Spending Over Time | Daily buckets for periods up to 31 days and weekly buckets for longer periods. |
| Tags | Premium breakdowns that follow your existing tags and optional No Tag preference. |
| Payment Sources | Spending by saved card, Cash, Card, Savings, or Unassigned, grouped by currency. |
| Paid Bills | The included bills in paid-date order, with their native amounts and existing interactions. |
Multi-currency without hiding the original amounts
Period totals and bill details remain in their native currencies. When multiple currencies appear in a chart, choose the currency you want to inspect; Billiary starts with your configured default currency when it has spending. Cross-currency overview charts use converted values and label the conversion currency explicitly.
Four reports, one consistent design
- Month: bills, paid, unpaid, income, Bills-to-Income, category spending, and bill details.
- Year: paid and income summaries, monthly chart and table, category and tag breakdowns, and bills grouped by month.
- Last 12 Months: the same annual structure across a rolling 12-month window.
- Spending period: the selected period’s metrics, category chart, timeline, tags, payment sources, and paid bills.
Sections with no meaningful data are left out instead of filling a report with empty charts. Longer reports paginate automatically, and bill tables retain native currency codes so the exported record remains clear.
What is free and what is Premium?
Basic includes period totals, category lists, payment-source spending, paid-bill details, and the rolling paid/income Monthly History. Premium adds Bills-to-Income, monthly comparisons, visual category and timeline charts, advanced metrics, category and tag trends, and PDF export.
Private by design
Stats are calculated from the bills and income already stored on your device. Billiary does not need a bank connection or an account, and the Insights & Reports update does not change the backup format or require a data migration.
Understand your bills without giving up your privacy
Explore the new Insights & Reports experience in Billiary 1.12.
