A missed credit card payment costs more than a $25 late fee. It dings your credit score, can pull the rest of your cards out of their grace periods, and turns a routine bill into compounding interest. The defense is shockingly simple: a single screen that shows what you owe next, and when. That is what WIMM's bills page is.
Set it up in under a minute
The fastest way to populate bills is the Import from recurring button at the top of the page. WIMM scans the last several months of your transactions, groups recurring expenses by merchant and category, and creates a bill for each pattern it finds. Netflix, the gas company, your phone plan, your gym, your kid's daycare. You confirm the list and you are done.
You can also add bills by hand for anything that has not shown up yet. Each bill gets a name, an amount (or "variable" if it changes every month), a frequency (weekly, monthly, quarterly, or yearly), and a next due date. You can also link a bill to one of your debts so paying it logs a debt payment too.
Two views, same data
WIMM gives you a calendar view and a list view, toggled by a button at the top of the page. Your choice sticks across sessions.
The calendar view is the bird's-eye scan. Each day is dotted: red for overdue, amber for due within a week, green for already paid, gray for further out. Click a day to see what is there. Click a bill to open the side panel.
The list view is the work view. Bills are tabbed by Upcoming and Paid. Upcoming shows what is coming and how soon. Paid shows what you have handled and when, so you have an honest record without digging through bank statements.
Mark paid in one tap, fix mistakes in two
When you pay a bill, hit Mark Paid. WIMM records the payment, files it under that bill's history, and advances the next due date by one cycle. If you autopay and WIMM finds a matching transaction, it can suggest the payment for you in one click. Get one wrong? Unmark Paid reverses everything atomically, including any linked debt payment.
If a cycle is one you actually want to skip, like a quarterly bill you paid early or annually, hit Skip Bill instead. It advances the due date without creating a payment, so your history stays honest.
Reminders that do not pile up in your inbox
WIMM's daily cron checks your bills every morning. For everyone, free and Premium, the bell icon in the app lights up with a "Netflix is due in 3 days" notification, and an "Insurance is one day overdue" alert if you missed one. Premium accounts also get an email version of the same alert, useful if you do not open the app every day.
You control the lead time per bill. By default WIMM warns you three days out. You can set up to four lead-time triggers per bill, like 7, 3, 1, and 0 days, so the most important ones cannot slip.
Where this fits versus the competition
Mint had a Bills tab and it was the most-used surface in the whole app before the shutdown. Monarch covers bills well but charges roughly $15 a month. Most bank apps will show your last bill, but only for accounts at that bank. WIMM gives you the same surface for every bill at every account, plus configurable reminder days and a real payment history, all on the free tier.
Try it now
The live demo loads a sample household with a full set of bills already wired up. You can see the calendar, the side panel, and the action history in under a minute: app.wimm.money/demo.
Try WIMM today
The demo loads with realistic data and no signup. See what this article describes in action.