Bills

1. Tap the + button and choose Bill or Subscription.
2. Enter the Name. Use the payee as it appears on your statement, since that is what Cadence Money matches charges against later.
3. Enter the Amount.
4. Choose the Frequency and set the Next Due Date beside it - the next one you expect, not the last one you paid.
5. Pick a Category, then a Tracking Mode - the line under it says what the mode you picked will do. Tap Add. The bill counts in your Bills figure; to count it against one of your monthly budgets instead, edit it afterwards (see below).

You can also start from a transaction you already have. Open one and use Create Recurring Bill to build a bill from it, or Link to Recurring Bill to attach it to a bill you set up earlier.

Choose Monthly, Weekly, Biweekly, Bimonthly, Yearly or Custom. Once a bill is paid, Cadence Money advances it to the following due date automatically.

Quarterly is fully supported - a quarterly bill advances three months at a time - but it is not in the frequency list when you add a bill, during setup or afterwards. Use a custom frequency of every 3 months instead. A bill Cadence Money detected as quarterly keeps that frequency.

Every bill has a required Tracking Mode, and it is the setting that decides whether the bill is ever marked paid without you:

Open the bill from the Bills tab and mark it paid. Cadence Money records the transaction and advances the bill to its next due date.

On a Synced bill it does this for you. Matching looks at the merchant name, the amount and how close the date is to the due date, searching a few days either side. A strong match is linked automatically; a weaker one is offered as a suggestion for you to confirm rather than applied silently. A transaction with a very different name is never matched on amount and date alone.

Attaching a bill to a budget counts it inside that budget’s spending rather than in the separate Bills figure. That avoids counting the same payment twice on the Cash Flow card, and it is why a budgeted bill does not appear in the Bills & Subscriptions tile. See Plan Overview.

The control is Count Against Budget, on the bill’s edit form - a new bill always starts on Bills. It lists monthly budgets only, and it is hidden when WorryFree is on, when you have no monthly budgets, and for a category that cannot hold a budget, such as Transfer.

The donut at the top of the Bills tab has one slice per category, sized by what the bills in it are due for the period. The part already paid is drawn solid and the rest faded, so unpaid bills still have their place on the ring. The centre shows what is left to pay, and each row reads like $60 of $120 paid.

What is left to pay is measured bill by bill. A bill that charged more than planned, or was paid twice, puts a red tail on its slice and turns its row’s paid figure red, but it never reduces what your other bills still owe.

There is no sort control. Bills are grouped by category, and both the order of the categories and the order within each one are fixed: whatever has the most due this month comes first, with the smoothed monthly cost breaking the ties that leaves. So a $2,400 yearly bill sits at the top in the month it is actually due, and below a $9.99 subscription in the eleven months it is not.

Open any bill to see its payment history. That is where you confirm a payment actually went through, and where a price increase becomes visible - a streaming service that quietly went from $14.99 to $18.99 shows it plainly in the list.

Cadence Money watches your synced transactions for charges that look recurring and offers them as suggested bills, pre-filled and ready to confirm. See Recurring Detection.

A transaction rule can attach payments to a bill for you. Alongside Assign a budget, a rule can carry Link to a bill, so everything it matches from then on is tied to that bill without you opening either. See Transaction Rules.