Type in the blue cells. The right-hand side reads your BILL LIST.
THE MONTH IN TOTAL
Bills on your list—
Total due each month—
The same bills over a year—
Biggest single bill—
Bills as a share of take-home—
AUTOPAY VERSUS BY HAND
On autopay—
You pay these by hand—
Bills you have to remember—
Share of the money on autopay—
BEFORE THE NEXT PAYCHECK
Your next payday—
Days until then—
Bills due on or before it—
How many of them—
LEFT AFTER THOSE BILLS—
Spendable once the cushion is set aside—
That is per day until payday—
LATE FEE RISK
Hand-paid bills inside your warning window—
LATE FEES YOU ARE EXPOSED TO—
Of that, at risk before payday—
One missed bill a month, for a year—
Bill List
One bill per row. The last four columns fill themselves in.
Bill
Category
Due day of month
Amount
Autopay?
Paid from
Late fee
Next due date
Days away
Due by payday?
Fee at risk
Notes
1
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2
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3
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4
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5
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6
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7
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8
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9
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10
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11
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12
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13
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14
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15
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16
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Where that leaves you
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Last updated: October 2026
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.