See which bills hit before or after payday — and where you risk overdraft
After tax & deductions, not gross.
Balance below this = caution.
Many banks now charge $0.
Quarterly & annual bills (insurance, HOA) ask for the first/next due date, then repeat every 3 or 12 months from that date — so an August renewal stays in August. Grace period sets the late-fee deadline (due date + grace days), not the 30-day credit-report date.
Estimates based on the dates and amounts you entered. Not financial advice; confirm fees and grace periods with each provider.
Most people juggle 8–15 recurring bills — rent or mortgage, utilities, subscriptions, insurance, a car payment, credit cards — with due dates scattered all over the month, and paydays that don't line up with them. This tool puts your paychecks and bills on one timeline so you can see, before it happens, which bills land before the next deposit and which land after. It runs a chronological running balance, finds your lowest projected balance, and flags every point where the money might not be there when a bill hits.
This is a timing and cash-flow projection tool — not an interest, APR, or payoff calculator. It answers one question: will the money be in the account when each bill is due?
You're paid biweekly, $2,000 net per check, with $600 in checking right now, and your last payday was the 1st. Rent is $1,500 due on the 1st (autopay), the electric bill is ~$140 due on the 12th, and a credit-card minimum of $90 is due on the 18th. Over a 2-month horizon the tool shows rent clearing on payday (deposit-first, flagged as a same-day collision), then the electric and card bills drawing the balance down to a $310 low on the 18th — comfortable. But it also catches the 3-paycheck quirk: because biweekly pays 26 times a year, one month in the window has an extra deposit, which is exactly the period you can use to get ahead. If instead your rent were due on the 28th — two days before a payday on the 30th — the tool would turn that row red and suggest asking the landlord to move the due date to the 3rd, just after the deposit.
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title="Bill Payment Calendar" loading="lazy"></iframe>
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Enter your pay frequency, last/next payday, net pay, and current balance, then list your recurring bills. The tool projects every payday and bill across your horizon, runs a chronological cash-flow timeline, and flags where the balance dips toward or below zero.
No. Biweekly is every 14 days (26/yr, with two 3-paycheck months). Twice a month is the 1st & 15th (24/yr). They drift apart, so they're separate options.
It shows two deadlines per bill: the late-fee trigger (due date or your grace days) and the 30-day credit-report-risk date. Payments 1–29 days late usually mean a fee but are generally not reported until 30 days past due.
Default ~$27 (Bankrate 2025 average $26.77; big banks up to ~$35). Many banks now charge $0. It's editable — set it to your bank, or 0.
Monthly bills on day 29–31 are clamped to the last valid day, so a 31st bill shows on Feb 28 (or 29 in a leap year) and April 30.
The deposit is assumed to post first, but bank posting order varies and same-day timing is risky — the tool flags those collisions.
Yes — 100% free. Everything is calculated privately in your browser; nothing is uploaded, stored, or sold.
🔒 Everything is calculated in your browser and saved only there. We don't store or sell your data. Planning aid, not financial advice.