Bill reminder texts so you never pay a late fee again
Get a text before rent, utilities, credit cards, and insurance are due, so a forgotten due date never costs you money.
Set Text Go sends a real text message, not a push notification, so your bill reminder reaches almost any phone. Set it once as a recurring monthly reminder and let it run.
Free to download. Pay as you go, no subscription. Available in the United States and Canada.
Late fees are almost always about forgetting, not money
Most late payments are not a budgeting failure. The money is there. The due date just slipped past in a busy week. A single missed credit card payment can trigger a fee and a dent in your credit, and a late utility bill can pile on charges you never planned for.
A reminder that actually reaches you fixes that. Not a bank email buried under fifty other emails, and not an app notification you swipe away without reading. A plain text message, sent a few days before the bill is due, gives you time to pay while it is still on your mind.
Set it up once for each recurring bill and the reminder goes out on schedule each month.
A nudge a few days early, every month
Recurring reminders for every monthly bill
Set them once, and they repeat on the schedule you choose.
Rent and mortgage
A text a few days before the first of the month, so your biggest payment is never the one you miss.
Utilities
Electric, gas, water, and internet each have their own due date. Set a reminder for each one and stop the late charges.
Credit cards
A missed credit card payment means a fee and a possible hit to your credit. A monthly text keeps the date in front of you.
Insurance
Auto, home, and health premiums often bill monthly or quarterly. A reminder keeps your coverage from lapsing.
Subscriptions
Get a heads up before an annual subscription renews, so you can decide to keep it or cancel in time.
Taxes and quarterly payments
Estimated taxes and other recurring obligations are easy to forget. A scheduled text keeps them on your radar.
A real text, not another push notification
A push notification only reaches a smartphone with the right app installed and notifications turned on, and it is easy to swipe away without reading. Set Text Go sends a true SMS over the phone network, so your bill reminder lands in the same inbox as a text from a friend, on any phone you carry.
- Reaches any mobile phone, including basic phones
- No app notification to swipe away and forget
- Works without wifi or mobile data on your end
- Lands in the text inbox, where you actually read it
| What matters | Real SMS text | Push notification |
|---|---|---|
| Works without a smartphone | Yes | No |
| Works without internet or data | Yes | No |
| Hard to swipe away unread | Yes | No |
| Shows up in the text inbox | Yes | No |
| Recurring monthly schedule | Yes | Depends |
The one message channel you actually see
Bill reminders only help if you read them in time.
How to set up a bill reminder
Three steps and you are covered every month.
Download and sign up
Create your account and verify your phone number in a couple of minutes.
Add each bill
Write a short message like Rent due Friday, pick a day a few ahead of the due date, and set it to repeat monthly.
Pay on time
A real text goes out on schedule each month, so the due date is far less likely to sneak up on you.
Related reminders and guides
Reminders for busy people
One centralized place for work and personal reminders, bills included.
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A text before anything you cannot be late for, from meetings to the DMV.
Learn moreFrequently asked questions
Can I set a recurring monthly bill reminder?
Yes. You can schedule a text to repeat monthly, so a reminder for rent, a credit card, or a utility bill goes out on the same schedule each month without you setting it up again.
Does Set Text Go pay my bills for me?
No. Set Text Go sends you a reminder text so you remember to pay on time. You still pay the bill through your own bank or biller, which keeps you fully in control of your money.
Can I get the reminder a few days before the due date?
Yes. You choose the exact day and time the text goes out, so you can schedule it several days ahead of the due date to give yourself time to pay.
Is this a push notification I might miss?
No. Set Text Go sends a real SMS text message over the phone network, not an app notification. It lands in your text inbox on any phone, so it is much harder to swipe away and forget.
How much does it cost?
The app is free to download. You pay as you go with credits and there is no subscription, and credits do not expire. See the pricing page for details.
Where is Set Text Go available?
Set Text Go currently works for phone numbers in the United States and Canada.
Stop paying late fees
Download Set Text Go and set up your first bill reminder in minutes.