Personal Finance
Bill Payment Tracker
Every bill, every due date, and what lands before your next paycheck
- Due dates before payday
- Autopay vs pay-by-hand
- Works in free Google Sheets
What it does
Inside the workbook.
Late fees are the most avoidable money you will ever lose.
WHAT YOU GET
- A 5-tab workbook: START HERE · BILL LIST · MONTH PLAN · DASHBOARD · FAQ
- 2 charts that update themselves as you type
- Realistic example figures already filled in, so you can watch it work before you replace them
- A plain-English START HERE guide built into the file, plus a 11-question FAQ
WHY THIS ONE
- Works in FREE Google Sheets. Also opens in Excel. No add-ons.
- One-time purchase. No subscription, no account, no upsell.
- Nothing connects to your bank or your accounting software. You type the numbers in yourself.
- Input cells are unlocked and formulas are protected so a stray paste cannot break the math — and there is NO password, so you can unlock and change anything.
- Every formula was opened in a calculation engine, fully rebuilt, and checked against values worked out independently of the file. If one disagreed, it would not be on sale.
HOW IT WORKS
1. Download and open the file. Nothing to unzip.
2. Read the START HERE tab — about two minutes.
3. Type your numbers over the examples in the blue cells.
GOOGLE SHEETS
File > Import > Upload > choose the file > Replace spreadsheet. Every formula was written to work in Google Sheets as well as Excel — no XLOOKUP, no LAMBDA, nothing that breaks on import.
INSTANT DOWNLOAD
Available immediately after purchase under Purchases and Reviews. Nothing ships.
REFUNDS AND SUPPORT
Instant digital downloads cannot be returned automatically through Etsy. Message me — if something is broken or not what you expected, I will fix it or refund you.
AI DISCLOSURE
This workbook was built with AI assistance. Every formula in it was then opened in a calculation engine and tested against independently calculated values before it was listed. The math is checked, not assumed.
This is a digital file only. No physical item will be shipped.
The proof
Every figure, worked out twice.
Before this workbook was listed it was opened in a calculation engine, rebuilt, and every headline figure was compared to a value computed independently in code from the same seed inputs. This is an excerpt of that ledger.
- BuildGenerated from a written spec, opened in a calculation engine, fully rebuilt.
- RecomputeEach figure worked out again in code — never read back from the sheet.
- CompareCell by cell, to a stated tolerance. One disagreement and it does not go on sale.
| Sheet | Cell | Expected | Calculated | Figure | |
|---|---|---|---|---|---|
| MONTH PLAN | F5 | 13 | 13 | ✓ | ills on your list |
| MONTH PLAN | F7 | 34,414.44 | 34,414.44 | ✓ | The same bills over a year |
| MONTH PLAN | F8 | 1,450 | 1,450 | ✓ | iggest single bill |
| MONTH PLAN | F9 | 72.4% | 72.4% | ✓ | ills as a share of take-home |
| MONTH PLAN | F12 | 1,090.47 | 1,090.47 | ✓ | On autopay |
| MONTH PLAN | F13 | 1,777.40 | 1,777.40 | ✓ | You pay these by hand |
| MONTH PLAN | F14 | 5 | 5 | ✓ | ills you have to remember |
| MONTH PLAN | F15 | 38.0% | 38.0% | ✓ | Share of the money on autopay |
Questions
Before you buy.
Will it work in free Google Sheets?
Yes. File > Import > Upload > choose the file > Replace spreadsheet. Every formula was written to run in Google Sheets as well as Excel — no XLOOKUP, no LAMBDA, no add-ons and no subscription.
Does it pay my bills or send me reminders?
No. It does not connect to a bank, it cannot move money, and it will not text you. It is a picture of your month that is current every time you open it. Reminders are what your phone calendar is for — this tells you which dates to put in it.
Why can't I type in some cells?
Those are formulas, locked so a stray paste cannot break the math. There is no password. Review > Unprotect Sheet opens the whole thing if you want to change something.
How does it know what is due before payday?
Each bill's next due date is worked out from today's date and the day of the month you entered. Anything falling on or before your next payday is marked YES. Open the file next week and the answer will have changed on its own. That is the point.
I get paid every two weeks, not twice a month. Does that break it?
It makes the payday part approximate. Paydays here are days of the month, and a fortnightly check drifts — 26 a year instead of 24. Set the two days closest to your current pattern and nudge the second one a few times a year. Bill totals, fee exposure and autopay figures stay exact either way.
Does it work in free Google Sheets?
Yes. Every workbook is built with an older, universal formula vocabulary so it imports into free Google Sheets without add-ons, and it opens in Excel as well. You get both in one purchase.
How was it tested?
The workbook was opened in a calculation engine, fully rebuilt, and 38 figures were compared to values worked out independently in code from the same seed inputs. One disagreement would have stopped the release. An excerpt of that ledger is on this page.
Get it
Bill Payment Tracker — $12.99
Instant download on Etsy. Google Sheets and Excel versions in the same purchase. No subscription, ever.
Educational estimates only. These calculators and workbooks do the arithmetic on the figures you enter; they are general-purpose tools, not financial, investment, tax, legal, lending, insurance or construction advice, and no result is a quote, an offer, or a guarantee of any outcome. Results depend entirely on your inputs and assumptions. Verify anything you intend to rely on with a licensed professional — a CPA, attorney, lender, licensed contractor, or your own agent. WorkbookBarn and Marcos Gil accept no liability for decisions made using these tools. Marcos Gil is a licensed Kentucky real estate agent (License No. 296259) and is not a lender, CPA or attorney.