VaultlyApps
Live Web app (installable PWA)

Pulse

Bill & Subscription Tracker

Every bill and subscription in one calm place — a 30-day horizon of due dates, free-trial countdowns and a simulator that shows what cancelling would save.

Try live demo Get Pulse on Etsy (opens in a new tab)

Try the live demo to explore the application — it runs right here on VaultlyApps with sample data, no sign-up needed.

Pulse bill tracker with the 30-day horizon of bill flags and the Penny mascot

What is Pulse?

Pulse is a bill and subscription tracker. It shows every recurring bill on a 30-day horizon and a due-date calendar, tracks the true monthly and yearly cost of subscriptions, counts down free trials with warnings before you are charged, and simulates how much you would save by cancelling. It is a tracker — it does not pay bills or cancel subscriptions for you.

What problem does Pulse solve?

Bills live in an inbox, a bank app, sticky notes and memory, and subscriptions renew quietly in the background — including free trials people meant to cancel. Pulse puts every recurring payment in one place so nothing is missed and every subscription has a visible yearly price.

Key features

  • The 30-day horizon

    Every bill as a flag on its due date — bigger bills stand taller — so busy weeks are visible before they arrive.

  • Monthly bill tracker

    Bills in due order with overdue pinned on top, Paid / Due soon / Overdue status and one-tap "mark paid".

  • Any schedule

    Weekly, every 2 weeks, monthly, quarterly, yearly or one-time, with correct month-end handling for bills due on the 31st.

  • Subscription tracker

    The true monthly and yearly cost of every subscription.

  • Free-trial countdowns

    Warnings 7 days and 3 days before a trial turns into a paid plan.

  • Cancel simulator

    Flip a switch on any subscription and see exactly what you would save per year.

  • Payment history and reports

    Full and partial payments, a monthly bill summary, a yearly subscription audit, and CSV import and export.

  • Linked devices

    Mark a bill paid on your phone and see it on your laptop. Encrypted, up to 4 devices.

Screenshots

  • The 30-day horizon where each bill is a flag on its due date

    The 30-day horizon where each bill is a flag on its due date

  • Subscriptions with true monthly and yearly cost

    Subscriptions with true monthly and yearly cost

  • Free-trial countdowns with warnings before the first charge

    Free-trial countdowns with warnings before the first charge

  • Due date calendar showing every bill on its day

    Due date calendar showing every bill on its day

  • Monthly bill summary and yearly subscription audit

    Monthly bill summary and yearly subscription audit

How does Pulse work?

  1. 1

    Try the live demo with sample bills and a guided tour from Penny, the Pulse mascot.

  2. 2

    After buying, install Pulse from your private link.

  3. 3

    Add your bills and subscriptions with their schedules.

  4. 4

    Check the horizon once a week and mark bills paid as you go.

Who is Pulse for?

  • Households juggling many recurring bills
  • People who keep forgetting to cancel free trials
  • Anyone doing a subscription audit
  • People paid on a different schedule from their bills

See every bill coming

Pulse's signature screen is the 30-day horizon: today is a lighthouse on the left, and each upcoming bill is a flag planted on its due date. Taller flags are bigger bills, so you can see at a glance which weeks will be heavy — before they arrive.

Below it, bills are listed in the order they're due, with overdue bills pinned on top and clear Paid, Due soon and Overdue status pills. Marking a bill paid takes one tap.

Every schedule, handled correctly

Pulse handles weekly, every-two-weeks, monthly, quarterly, yearly and one-time bills. Month-end dates are handled properly: a bill due on the 31st lands on the last day of shorter months instead of skipping or drifting.

You can record full or partial payments, and every bill keeps its full payment history — even when you archive it.

Your month on one page

The due-date calendar plots every bill on its day, so you can compare due dates with paydays and spot weeks where rent, a car payment and a yearly renewal all land together.

Stop paying for what you forgot

The subscription view converts every plan to its true monthly and yearly cost. Free trials get their own countdown, with warnings a week and three days before the first charge. The cancel simulator lets you switch subscriptions off to see the yearly saving before you make any calls.

For a step-by-step method, read How to track subscriptions and stop paying for ones you forgot — it includes a worked audit and a cancellation checklist.

Reports

A monthly bill summary and a yearly subscription audit can be printed or saved as PDF. CSV import and export open in Excel, Numbers and Google Sheets, and a JSON backup keeps a complete copy of your data.

Who Pulse is for

  • Households juggling many recurring bills across different cards, accounts and dates.
  • People who keep forgetting to cancel free trials.
  • Anyone doing a subscription audit who wants the yearly totals in one place.
  • People paid on a different schedule from their bills, who need to see which paycheck covers what.

A typical month with Pulse

  1. Once a week: look at the 30-day horizon to see what's coming and whether the next paycheck covers it.
  2. When a bill is paid: tap "mark paid", or record a partial payment.
  3. When you start a free trial: add it straight away with its end date; Pulse warns you 7 and 3 days before the first charge.
  4. Once or twice a year: run the subscription audit, try the cancel simulator, and cancel what you don't use.

Money freed by cancelling subscriptions goes further when it has a job. Our guides to the 52-week savings challenge and your safe-to-spend number show two good places to put it.

What Pulse doesn't do

Pulse is a tracker. It doesn't pay bills, cancel subscriptions or connect to your bank, and it doesn't send push notifications — warnings appear inside the app when you open it. That keeps your data private and the app simple.

Why bills and subscriptions belong together

Most people track bills in one place and subscriptions in another — or not at all. But to your bank account they're the same thing: money that leaves on a schedule. Keeping them together has three benefits:

  • Heavy weeks become visible. A $9.99 renewal is harmless on its own, but not in the same week as rent and a car payment.
  • The yearly total is honest. Adding every subscription's yearly cost next to your bills shows what your fixed costs really are.
  • Nothing hides. A free trial added the day you start it is on the same horizon as the electricity bill, so it can't slip past unnoticed.

That's why Pulse puts both on one horizon, one calendar and one list, and why the subscription audit sits right next to the monthly bill summary.

Privacy and devices

Pulse has no account and no bank login. Your data lives on your own devices. Link your phone and laptop once with a 6-digit code or QR, and a bill marked paid on your phone shows on your laptop a moment later — encrypted on the device before it travels. A device that was offline catches up when it's back.

Pulse installs from your private link on iPhone, iPad, Android, Mac, Windows and Chromebook and works offline once installed. It has Light, Dark and Calm themes, 30 currencies and keyboard shortcuts, plus a guided tour with Penny, the Pulse mascot.

What you get

  • Your private Pulse link and QR code.
  • A 19-page PDF guide: Start Here, How to Open & Install, How Pulse Works and the license.
  • Bonus printables: 2 monthly bill calendars, a payday planner, a free-trial tracker, a yearly bills fund, a cancel-and-call log, 7 bill worksheets and 5 wallpapers.
  • Free updates for the app itself.

Getting started

  1. Open your private link from the Start Here page and install Pulse.
  2. Explore the sample bills with Penny's guided tour.
  3. Clear the samples and add your bills and subscriptions with their schedules.
  4. Check the horizon once a week and mark bills paid as you go.

Vault combines bills and subscriptions with a full budget, goals and debt planner. Running a small business? Till tracks recurring business bills alongside income, invoices and tax.

Good to know

Pulse is an organizing tool, not financial advice. It needs internet the first time you open it on each device and works offline after that.

Pulse FAQ

Does Pulse pay my bills or cancel subscriptions?
No. Pulse is a tracker. It shows what is due and what each subscription costs; paying and cancelling happen with the provider.

Does Pulse send push notifications?
No. Pulse shows warnings inside the app — for example 7 and 3 days before a free trial ends — when you open it.

What happens to a bill due on the 31st in a shorter month?
Pulse moves it to the last day of that month automatically.

Can I export my bills?
Yes. Pulse exports CSV files that open in Excel, Numbers and Google Sheets, and it can make a full JSON backup.

Is there a subscription?
No — fittingly, Pulse is a one-time purchase with free updates.

Can I record partial payments on a bill?
Yes. Record full or partial payments, and Pulse keeps the full payment history for every bill — even after you archive it.

Which bill schedules does Pulse support?
Weekly, every 2 weeks, monthly, quarterly, yearly and one-time bills, with correct month-end handling for bills due on the 29th, 30th or 31st.

Who is Penny?
Penny is the Pulse mascot. She guides you through the sample data in the tour and appears around the app to keep things friendly.

Further reading

Related articles

All articles
How to Track Subscriptions and Stop Paying for Ones You Forgot

Personal Finance

How to Track Subscriptions and Stop Paying for Ones You Forgot

Subscriptions are designed to be forgotten. A simple four-step audit — find, convert to yearly cost, decide, and set reminders — puts every recurring charge back under your control. Includes a worked audit and a cancellation checklist.

10 min read
Debt Snowball vs Debt Avalanche: Which Pays Off Debt Faster?

Personal Finance

Debt Snowball vs Debt Avalanche: Which Pays Off Debt Faster?

The snowball method pays the smallest balance first; the avalanche method pays the highest interest rate first. Here's how they compare on the same debts, with real numbers — plus the hybrid method and how to choose.

11 min read
What Is a Safe-to-Spend Number (and How Do You Calculate It)?

Personal Finance

What Is a Safe-to-Spend Number (and How Do You Calculate It)?

Your bank balance isn't what you can spend. A safe-to-spend number subtracts bills, savings and planned spending first — here's the formula, worked examples for monthly, weekly and irregular pay, and the mistakes to avoid.

11 min read

More from VaultlyApps

Related projects

All projects
Flow ADHD budget planner showing a calm Safe to Spend screen Live

Flow

ADHD Budget Planner

A calm budget planner designed for ADHD brains — one Safe to Spend number, 3-tap logging, focus mode and kind overspend fixes instead of red warnings.

View details Live demo of Flow
Vault personal finance dashboard shown on a laptop and a phone, with the safe-to-spend number and cash-flow charts Live

Vault

Personal Finance Dashboard

Your whole money picture on one private dashboard — safe-to-spend, budgets, bills, goals, debt payoff and net worth, on your phone and laptop.

View details Live demo of Vault
Zero debt payoff planner with a road leading to a $0 finish flag and the projected debt-free date Live

Zero

Debt Payoff Planner

See your debt-free date, compare the snowball and avalanche methods side by side, and watch extra payments pull the finish line closer.

View details Live demo of Zero

See Pulse in action

The live demo runs in your browser with realistic sample data. Nothing to install, nothing to sign up for.

Try the live demo Get Pulse on Etsy

We use optional cookies for anonymous analytics. Nothing optional is set until you choose. Cookie policy