Skip to main content
StediPay_Main_View
StediPay Dashboard Interface showing recurring payments tracker

All your bills.
One place.
One number.

Subscriptions, rent, utilities — everything that repeats. See your total and what's due next.

Monthly
$2,847
Annual
$34K
Next Payment
2 days
Bills
12
Free download
Download v1.0.4
Free forever
Personal use
100% local
Your data
macOS
Windows
Linux
The problem

"I already have a system"

Most people manage bills with one of these. All of them break eventually.

Keep it in my head
  • × Works until you have 10+ bills
  • × Forget one — get a late fee
  • × Constant low-key stress
Calendar reminders
  • × No amounts, just "pay electricity"
  • × No total picture of the month
  • × Have to create each one manually
Spreadsheet
  • × You have to maintain it yourself
  • × No reminders when payment is due
  • × Gets outdated fast
Bank app
  • × Shows what happened, not what's coming
  • × Doesn't know your Netflix price went up
  • × Can't simulate "what if I cancel this?"
Autopay everything
  • × Not available for variable bills
  • × You lose track of price increases
  • × Can overdraft if timing is off
Different approach

What StediPay does instead

Shows what's coming, not what already happened. You control what's tracked.

You add what matters

No bank connection. You decide what to track. Your bank doesn't know you're canceling the gym next month.

See the future, not the past

12-month forecast. Know about expensive months before they hit. Simulate changes before committing.

Stays on your device

Everything stored locally. No cloud account required. Works offline.

Built for planning sessions, not quick glances. Desktop app.

SIMULATION LOG

The guessing game

Without tracking, monthly spending is just a guess. Forgotten bills lead to overdrafts.

09:14:02 Analyzing monthly burn...
09:14:03 > "Rent is about $1200"
09:14:04 > "Utilities ~ $150-200"
09:14:05 > "Netflix, Spotify, etc..."
09:14:08 !! CRITICAL ERROR: Annual Car Insurance ignored
09:14:08 !! ALERT: Overdraft risk detected
09:14:10 Result: UNKNOWN
Live Monitoring
Total Monthly Burn
$2,847.00
✓ VERIFIED ACCURATE
Forecast
April: on track
Anomalies
0 Detected
Calendar

Your payment calendar


See every payment coming. Day by day.

Today

Netflix Subscription

PENDING $15.99
⚠️

Electric Bill

MANUAL $142.00

Spotify

PAID $12.99

Gym Membership

PENDING $45.00

Rent Payment

SCHEDULED $2,400.00
12-Month View

See what's coming

$4800
JAN
$5400
FEB
INSURANCE
$10200
MAR
$4800
APR
$4560
MAY
$5040
JUN
RENEWAL
$11400
JUL
$4800
AUG
$5280
SEP
$4560
OCT
$5040
NOV
HOLIDAY
$6600
DEC
Regular months
Spikes
Simulation

What-if scenarios

Test purchases and changes before committing.

Test scenarios
Active
Add purchase
One-time expense
Item MacBook Pro
Amount $2,400
When March 2026
Cancel Netflix
Save $15.99/mo
Result
$5k $0
$1600
$1800
$3400
$1680
$1520
$1640
$1760
$1600
$1800
$3600
$1680
$1520
Over budget
March won't fit

Adding $2,400 in March puts you $400 over your usual capacity.

Try April instead?

Use Cases

How people
use it

Real scenarios from everyday planning.

01

Can I afford this?

Add a $1,200 laptop to April. See if your budget still fits. If not, try May.

Cash flow maintained. Purchase fits budget.
02

Weekly check-in

Open the calendar. Mark paid bills. Snooze what can wait. Done in 30 seconds.

4 payments marked paid. 1 snoozed.
03

No surprises

Car insurance in March. Annual fees in July. You'll see them months ahead.

3 annual payments identified ahead of time.
04

Cut subscriptions

Toggle off Netflix + Disney + HBO. See the annual impact instantly.

Annual savings: $540
Getting Started

The Setup

First time takes work. After that — minimal.

1

The Audit

30-60 min

Go through bank statements. Check email receipts. Gather everything that repeats — rent, utilities, insurance, subscriptions, annual fees.

Start here
2

Add Your Bills

15 min

Enter your recurring payments. Monthly, annual, irregular — all of them. Set amounts, dates, categories.

3

Keep It Updated

Ongoing

New subscription? Add it. Price changed? Update it. Canceled something? Remove it. Takes seconds.

30 minutes now = 12 months of clarity

Privacy

Your data stays local

Stored on your device

Everything saved locally. No cloud account required. Your data never leaves your machine.

No bank connections

You add bills manually — that's the point. No credentials shared with anyone.

Status Secure
Storage Local only
Network Offline by default
Analytics Opt-in only
Sync Your choice

See your number.

Free for personal use. No trial. No limits. No account needed.

Download for Mac
v1.0.4 (Stable) Apple Silicon / Intel 12MB
Also available: