Remind me to pay my mortgage

Everything on one screen: how often this usually needs to happen, the free way to set it on the iPhone you already own, and what changes if a phone call does it instead.

The reminder pay my mortgage

Monthly — once a month, on a date. The free built-in option comes first below, because for plenty of people it is genuinely the whole answer.

How often: monthly

A monthly prompt fires eleven more times a year than anybody remembers it. There is no habit to hang it on, so the reminder is doing all of the work by itself.

Why this one slips: It is the highest-stakes date in the month and it depends on the money being in the right account first, so the reminder has to land early enough to still be actionable.

Free first: a Calendar event with two alerts

  1. Open Calendar, tap +, and put “pay my mortgage” on the real date.
  2. Set Alert to a week (or a day) before, and Second Alert to the morning of.
  3. Set Repeat to Every Month.
  4. Put the reference number, the address or the link in the Notes field, so the alert arrives with everything you need.

Two alerts on a dated event is genuinely the right free tool for a deadline, and it costs nothing. Its weakness is the same as every notification: both alerts are silent banners you can clear without doing anything. If the timing is the hard part, an iPhone Clock alarm is stronger — iOS exempts alarms from the silent switch and from Do Not Disturb.

A silent banner still loses here: a banner seen at nine in the evening is a day too late to move money between accounts.

What a call changes

With ReminderCall your phone rings like a normal incoming call — a real call over the phone network, not a banner and not an in-app alarm. You answer, and a voice reads the reminder out loud in the words you wrote. Answering is an action, which is harder to do absent-mindedly than clearing a notification.

To be precise about it: a call follows your ring settings rather than your notification settings. On hard mute it vibrates and takes over your screen instead of ringing out loud, unless you save the number as a contact with Emergency Bypass switched on yourself.

Why “pay my mortgage” is the one that slips

It is the highest-stakes date in the month and it depends on the money being in the right account first, so the reminder has to land early enough to still be actionable.

Dated obligations with a fee on the other side of them — the ones where forgetting has a price. The failure is almost never that you did not know — it is that the prompt arrived at a moment when acknowledging it was easier than acting on it. A monthly prompt fires eleven more times a year than anybody remembers it. There is no habit to hang it on, so the reminder is doing all of the work by itself.

Read next: a bill payment reminder that actually works · a reminder app for people who forget everything · setting a repeating monthly call

Free first: Calendar, not us

  1. Open Calendar, tap +, and put “pay my mortgage” on the real date.
  2. Set Alert to a week (or a day) before, and Second Alert to the morning of.
  3. Set Repeat to Every Month.
  4. Put the reference number, the address or the link in the Notes field, so the alert arrives with everything you need.

Two alerts on a dated event is genuinely the right free tool for a deadline, and it costs nothing. Its weakness is the same as every notification: both alerts are silent banners you can clear without doing anything. If the timing is the hard part, an iPhone Clock alarm is stronger — iOS exempts alarms from the silent switch and from Do Not Disturb.

The other free move, and often the more effective one: anchor it to something you already do without thinking — after the kettle goes on, before you lock the front door, as you sit down at your desk. A reminder attached to an existing habit needs far less from your phone. Try both for a fortnight before you pay anybody for this.

How a call for “pay my mortgage” works in ReminderCall

  1. Write it in your words. “Pay my mortgage — now, before you sit down.” Not a generic beep, and not a title you will scroll past.
  2. Set the time and the repeat. Monthly is the usual rhythm for this one, and you can pick once, daily, weekdays, weekly or monthly instead.
  3. Your phone rings. You answer and the reminder is read out loud. Miss it, and the same words arrive as a text.

Honest caveats

Get a call to pay my mortgage

Set the time, write the words, and your phone rings. Free to download — and genuinely, try the Calendar app first if you have not.

4.6 on the App Store · free to download

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