Bills are the worst. They're always there, waiting to drain your paycheck each month (and if you forget to pay on time) poison your credit score too. Now you can alleviate the stress while keeping a tighter rein on your budget with Mint's latest iOS and Android app, Mint Bills.

The app aggregates all of your monthly bill information. It lets you track them and pay them in one place, and also offers an at-a-glance view of how much money you've actually got on hand, at all times. Mint Bills is actually a revamp of the app Check, which Mint acquired back in June.

The onboarding flow—that is, getting all your bill information into the app—is pretty painless, at least in theory. After logging in or creating an account, you enter your zip code and a list of possible billers pops up, everything from Verizon Wireless and T-Mobile to PG&E, Comcast, and AT&T U-Verse, for a sample California zip code. You then select the ones you have accounts with and enter your log-in credentials. The app pulls your billing information each month, including how much the bill is, and when it's due.

The main screen shows this information very clearly, detailing the total number of upcoming bills you have, which ones are due in the next few days (colored red), which ones are coming in the next two weeks (yellow), and which are due further down the line (green). You can swipe to get more detailed information about these bills, and to pay them through the app. When you choose to pay one, you can select which of your cards or bank accounts (already linked to Mint) you want to pay with. The app shows how much money is available on each account or card, and won't let you pay with an option that has less money available than the bill requires. Once on this screen, you can pay a bill in as few as two taps.

Paying a bill using a bank account is free; for a card, there's a small service charge.

There are a couple of alternate ways to use Mint Bills too: You don't have to fill in your account credentials with the app if you don't feel comfortable doing so. You can manually enter how much you owe each month and the due date for regularly occurring charges, for example. Similarly, you can add in a custom bill if it doesn't show up during the app's setup, which is good for things like gym membership or club fees. And if you don't want to pay using the app, that's fine too. You can tell it you've already paid a bill, and simply use the app for tracking purposes.

The Mint Bills app is protected with bank level security, and will give you alerts if there are any unusual charges to your accounts. It's available now for iOS, Android, and the web.