Paycheck allocations
What needs attention
Forecast confidence
This app uses your entered allocations, dates, and payment statuses. It never assumes a bank transfer happened or that a bill cleared. Forecast totals are not verified bank balances.
Calendar-based cash-flow timeline
Obligations and payment status
Only choose “Verified paid” after you confirm the transaction has posted. Status changes stay on this device.
Funding transfer timing
Proposed changes do not reschedule anything at your bank. Internal transfers are tracked but not added to expense totals.
Recurring bill templates
Save recurring templates for upcoming months. Creating a template does not automatically change your current month or duplicate a payment.
Add recurring bill template
Add to current plan
Add paycheck
Add allocation
Add obligation
Private backup and import
Backups are NOT encrypted. Store them securely. If the app opens in another browser, it will have separate local data.
Paste private BillPilot plan JSON
Current limitations
No bank connections, account sign-in, cloud sync, payment initiation, push reminders, or live AI yet. Recurring templates are preparatory; they do not auto-schedule expenses. For financial accuracy, confirm balances and actual postings with your institution.
BillPilot AI v3 · Device-only financial data · No account or bank credentials
☁️ Secure account & cloud backup — beta
Your budget stays on this device until you explicitly select Upload my local plan. An account does not automatically upload or download financial data. Cloud copies are stored in your private Supabase account with row-level access controls. This is not end-to-end encryption; the cloud provider can technically access stored data.
Create secure account
Email verification may be required. The confirmation link must be configured to redirect to this app in Supabase. Only register using a strong unique password.
Sign in to existing account
Forgot password?
For privacy, we'll show the same confirmation whether an account exists or not. The reset link returns to this BillPilot app.
Before uploading or restoring, use Data & privacy → Export JSON backup to save a separate local copy. Cloud storage stays optional. Automatic synchronization is OFF until you enable it below on each device. Payment initiation, bank integration, and automated merging are not supported.