Bills
The payments you have already committed to, and when they are due.
Updated
Adding a Bill
- Tap the + button and choose Bill/Income Source.
- Enter the Name. Use the payee as it appears on your statement, since that is what Cadence matches charges against later.
- Enter the Amount.
- Pick a Category. Any spending category makes this a bill; picking an income category would make it an income source instead, from the same form.
- Choose the Frequency and set the Next Due Date - the next one you expect, not the last one you paid.
- Choose a Tracking Mode, then tap Add.
One form makes both bills and income
The category is the field that decides which. If you meant to add your salary and got a bill, the category is why. See Tracking Income.
Frequency Options
Choose Monthly, Weekly, Biweekly, Bimonthly, Yearly or Custom. Once a bill is paid, Cadence advances it to the following due date automatically.
| Frequency | Means | Times a year |
|---|---|---|
| Weekly | Every 7 days | 52 |
| Biweekly | Every 14 days | 26 |
| Bimonthly | Twice a month, on the 15th and the last day | 24 |
| Monthly | Once a month | 12 |
| Yearly | Once a year | 1 |
| Custom | An interval you set, such as every 3 months | Depends |
Bimonthly means twice a month
Not once every two months. Cadence pins it to the 15th and the last day, which is how most twice-monthly cycles run. If your bill really is every two months, use a custom frequency.
There is no Quarterly option in the list. Set a custom frequency of every 3 months for a quarterly bill.
Tracking Mode
Every bill has a required Tracking Mode, and it is the setting that decides whether the bill is ever marked paid without you:
| Mode | What happens on the due date |
|---|---|
| Manual | Nothing. The bill waits in your upcoming activity until you mark it paid. This is the default. |
| Auto | Cadence creates the transaction itself and rolls the bill forward. For payments you know will go out. |
| Synced | Cadence waits for a matching transaction from your bank and links it when it arrives. Nothing is invented. |
Connecting a bank is not enough on its own
If a bill is not marking itself paid even though your accounts are connected, this is almost always why. The bill has to be set to Synced. That option only appears once you have a connected account.
Marking a Bill as Paid
Open the bill from the Bills tab and mark it paid. Cadence 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.
Bills and Budgets
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 tile. See Budget Overview.
Sorting and History
Sort your bills by category, due date or amount to review what is coming or find the categories with the highest recurring cost.
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.
Bills You Have Not Added Yet
Cadence watches your synced transactions for charges that look recurring and offers them as suggested bills, pre-filled and ready to confirm. See Recurring Detection.