Tool
Bill calendar: every due date in one place, with the balance attached
A list of bills tells you what you owe. A bill calendar tells you whether the money will be there on the day each one is collected — which is the part that actually causes late fees.
- Due dates on a real calendar
Monthly grid with each bill on its collection date and the balance carried forward.
- Enter once, repeats forever
Monthly, quarterly and annual cadences all project forward automatically.
- Cluster warnings
Spot the days where several debits land together and the balance dips.
- No bank access needed
You enter the bills; nothing connects to your accounts.
Bills to put on it
- Rent or mortgage, on its collection date.
- Utilities, including the ones that vary by season.
- Insurance — home, health, vehicle, professional.
- Loan and card minimum payments.
- Subscriptions, including annual renewals people forget until they hit.
- Tax instalments and any quarterly remittance.
Setting it up in ten minutes
- Open your last two bank statements and list every outgoing that repeats.
- Add each as a recurring plan with its real amount and date.
- Add annual items with their exact renewal date so they cannot ambush you.
- Enter your current balance.
- Look for days where the projected balance dips and move one flexible bill.
What to do with a cluster
When four debits land in the first three days after payday, your available balance for the rest of the month looks smaller than it is, and one slipped income date turns into several failed payments.
Most providers will move a collection date on request. Spreading four bills across two dates costs nothing and removes the single most common cause of avoidable late fees.
Frequently asked questions
What is a bill calendar?
A monthly calendar showing every bill on its due date alongside a running account balance, so you can see whether each payment will clear.
How do I set one up?
List every repeating outgoing from your last two statements, add each with its date and cadence, enter your current balance, and check for days where the balance dips.
Does it need access to my bank?
No. You enter the bills yourself, which also lets you include bills that have not been set up yet.
Can it remind me before a bill is due?
Yes — reminders can be sent a few days ahead so a payment is never a surprise.
Never be surprised by a due date again
Free forever, no bank linking, reminders included.