The Bills Registry: Every Bill, One List

Most money apps scatter your recurring money across three or four screens. Bills live on one tab, subscriptions on another, a recurring detector somewhere else, and a calendar off to the side. Add a bill in one place and the others do not know about it. WIMM takes the opposite approach. Every bill you have lives in one canonical list, the Bills Registry, and every other way of looking at your bills is just a view of that same list.

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One list, not five

Open the Bills page and the first thing you see is the Registry: every bill you have, in one place, no matter its status. Active bills, paused bills, and archived bills all live in the same list. The page header sums it up in a line, something like "14 active, $2,180 a month run-rate, 3 due this week, Registry is the source of truth."

That last phrase is the whole idea. There is exactly one record per bill. A bill cannot exist in two places, get edited in one, and quietly disagree with the other. When you rename a merchant, fix an amount, or change a due date, you change it once and every screen that shows that bill updates with it.

If you want to understand how a charge becomes a bill versus a subscription versus a one-off in the first place, that is its own topic, covered in how WIMM sorts your recurring charges. Here we are focused on what the Registry does once your bills exist.

Every other view is a lens

The Registry is the list. Calendar, Due, Forecast, and Subscriptions are lenses onto it. You switch between them with the tabs at the top of the page, and because they all read the same records, you never re-enter a bill to make it appear somewhere.

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The Calendar lays your bills out on a month grid by due date, so you can see the shape of a month at a glance. The Due view is the short agenda: what is coming in the next stretch of days, in order. The Forecast view projects your account balances forward. The Subscriptions view filters the list down to just the recurring services you might want to audit. There is even a short "How other apps do it" tab that explains the one-list model that Monarch, YNAB, Copilot, and Rocket Money all share.

None of these is a separate database. They are four questions asked of one list. That is why a bill you paused shows up as paused everywhere, and a bill you archived stops cluttering all four.

Sort, filter, and search your way to any bill

Because everything lives in one list, the list itself gives you the controls to slice it. Along the top of the Registry are chip filters for status (All, Active, Paused, Archived), for account, and for type (Bills or Subscriptions). A group-by menu lets you cluster the list by type, account, category, payer, or status. A search box finds a bill by name. And a Table or Cards toggle switches between a dense spreadsheet-style layout and roomier cards, whichever you prefer.

None of this touches your data. Filtering and grouping just change how the one list is presented, so you can go from "show me everything" to "just the subscriptions on my joint checking account" without ever leaving the page or worrying that you edited something.

Each bill knows its account, its household, and its links

Open any bill and it carries more than a name and an amount. You can pin the paying account, so WIMM knows which checking or credit account this bill actually comes out of. You can mark a bill shared with your household, so the people you share with see it too. And the detail panel shows you what the bill is connected to: a linked debt, a linked budget envelope, and the actual transactions that paid it.

That last link is the one people love. Every bill has a link icon that jumps you straight to its matching transactions, filtered down to exactly the charges that satisfied that bill. No hunting through your statement, no guessing whether the electric company charge in March was this bill or a duplicate. One click and you are looking at the real money that moved. If you want the full month-by-month record of when each occurrence was actually paid, that lives in Bills History.

Cycle health and price-jump flags

Each bill in the Registry wears its status. A bill is paid for this cycle, due soon, overdue, or missed if enough cycles have slipped by with no payment. You read the health of your whole bill list by scanning down a single column instead of opening each one.

The Registry also watches for surprises. When a bill's latest amount drifts meaningfully away from what it usually costs, WIMM flags the change so a quiet price hike does not sail through unnoticed. That is the difference between a list that just records your bills and one that actually keeps an eye on them for you.

The Subscriptions view: annual cost and an unused nudge

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The old way to handle subscriptions was a whole separate page that drifted out of sync with your bills. WIMM makes it a filtered view of the same list. Switch to the Subscriptions tab and you see just the recurring services, each with its monthly cost and its annual cost so the true yearly bite of a $12 habit is impossible to miss. A price-change badge shows when a subscription went up. And an Unused nudge flags any subscription with no matching activity in the last few months, which is exactly the kind you meant to cancel and forgot.

Because it is one record filtered two ways, reclassifying a subscription back into a bill (or the other way) happens right here, and the change is reflected in the Registry the instant you make it.

Forecast: what your balance looks like after the next 30 days

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The Forecast view answers the question every account holder actually cares about: will there be enough in there when the bills hit. It takes your depository accounts (checking and savings), starts from today's balance, and walks the next 30 days of bills forward, showing the running balance after each one. If a checking account is heading below zero before payday, you see it here days early instead of in an overdraft notice.

Bills with a variable amount are listed but not deducted, since WIMM will not pretend to know a number it does not have. Bills tied to a credit or loan account, or to no account at all, collect in an "Unassigned" section so the depository projection stays honest. And because Forecast reads the same list as everything else, pinning a bill to the right account (from the section above) immediately sharpens the projection.

How this compares to Rocket Money and Mint

This is where the one-list model pays off. Rocket Money and the old Mint both split bills and subscriptions into separate tabs, and those tabs drifted apart. A subscription you canceled might linger on the bills side. A bill you edited did not update the subscription view. You ended up not fully trusting either screen, which defeats the point of tracking at all.

WIMM refuses that split. Subscriptions are not a second database, they are bills tagged a certain way, shown through a filter. Bank apps have the same weakness from the other direction: they will show your bills, but only for accounts at that one bank. The Registry gives you every bill at every account in one place, with the calendar, the forecast, and the subscription audit all reading from it.

Free for everyone

The Bills Registry, all four lens views, the sort and filter and search controls, per-bill account and household settings, the transaction links, cycle health, and the price-jump flags are free. There is no premium gate on keeping your bills in one honest list.

Want to see it in motion? The demo loads a sample household with bills already active, paused, due, and paid, so you can switch between the Registry, Calendar, Forecast, and Subscriptions tabs and watch them all read the same list. Start at app.wimm.money/demo.