How bills work

A bill is a recurring payment on a predictable schedule: rent, a subscription, utilities, insurance. Carlo keeps them separate from your day-to-day spending so they cannot distort your coins, which is why paying rent does not move your Rent coin.

Bills have their own screen, behind the calendar glyph in the tray. What you see there is the bills themselves, the rules, grouped with a running total. This is where you add one, edit one, or retire one.

They are organized into groups, each showing its name and monthly total. Tap a group header to open or close it and Carlo remembers what you left open, though a group you have just created arrives open so the new bill is right there.

A peek rests at the bottom of that screen, and it holds the actual payments rather than the rules: each month's bills, checked off or still waiting. It opens on the current month and you can walk back through earlier months and years. Tap a bill there to set the amount for that one month, or swipe it away to drop that month's payment entirely.

Bills that charge themselves show a circle that fills in when the due date arrives. Bills you pay yourself show a square you tap once you have paid, and tapping it records the payment so it shows up in your spending like any other expense.

Yearly bills do not land on you all at once. Carlo sets aside a twelfth of the total every month, so the money is accounted for long before the bill arrives. The full amount shows up in the month it is actually due, and the monthly set-aside is folded into your budget math the rest of the year.

None of this touches your bank. Carlo tracks what is due and what you have marked paid; it cannot see your balance or make a payment.