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Bill Payment Tracker

Type in the blue cells. The right-hand side reads your BILL LIST.

WHAT IS IN CHECKING
WHEN YOU GET PAID
LATE FEE SETTINGS

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.

BillCategoryDue day of monthAmountAutopay?Paid fromLate feeNext due dateDays awayDue by payday?Fee at riskNotes
1————
2————
3————
4————
5————
6————
7————
8————
9————
10————
11————
12————
13————
14————
15————
16————

Where that leaves you

—

Want it as a spreadsheet you own?

The full workbook adds the tabs this page cannot: a monthly log, a dashboard with charts, and your own copy that works offline in Google Sheets or Excel. One purchase, no subscription.

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Bill Payment Tracker: the full workbook

Same formulas as this calculator, plus the tabs, the charts and a 12-month history that this page cannot hold. Google Sheets and Excel. One purchase, no subscription.

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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.

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