Know exactly where
your money stands
every single day.
Bill & Payday Tracker keeps most of your bills, paydays, and available funds in one clear view — so you're never caught off guard.
FREE GIFT FROM US 2 YOU.
if they'll make it to payday.
Bill & Payday Tracker gives you a real-time picture of what's coming out, when it hits, and how much you'll have left — before you're surprised by a shortfall.
Calendar view
You enter your bills and paydays to see every bill on a monthly calendar. Color-coded by urgency so nothing hides.
Daily welcome summary
Sign in each morning to a full picture of today's available funds and what's due before your next paycheck.
Low-funds alerts
Set a threshold and get an instant alert when your available balance dips below it — before it's too late.
Illustrative only — typical monthly bill lists for two common household types, to help you see what a realistic budget looks like before entering your own bills.
Scenario 1 — One Paycheck Household
One paycheck (standard payroll tax withholding), $50,000/year gross income.
| Bill Name | Category | Frequency | Start Date | Recurring | Monthly |
|---|---|---|---|---|---|
| Rent/Mortgage | Mortgage | Monthly | Jul 1, 2026 | Y | $1,500.00 |
| Car Payment | Car payment | Monthly | Jul 5, 2026 | Y | $350.00 |
| Car Insurance | Insurance | Monthly | Jul 8, 2026 | Y | $120.00 |
| Health Insurance | Insurance | Monthly | Jul 10, 2026 | Y | $180.00 |
| Renters/Home Insurance | Insurance | Monthly | Jul 12, 2026 | Y | $25.00 |
| Electric | Utility | Monthly | Jul 15, 2026 | Y | $140.00 |
| Water/Sewer | Utility | Monthly | Jul 15, 2026 | Y | $55.00 |
| Internet | Utility | Monthly | Jul 18, 2026 | Y | $65.00 |
| Cell Phone | Utility | Monthly | Jul 20, 2026 | Y | $80.00 |
| Credit Card Payment | Other | Monthly | Jul 22, 2026 | Y | $150.00 |
| Student Loan | Other | Monthly | Jul 25, 2026 | Y | $220.00 |
| Streaming Subscriptions | Subscription | Monthly | Jul 28, 2026 | Y | $35.00 |
| Groceries | Other | Bi-weekly | Jul 14, 2026 | Y | $600.00 |
| DMV/Vehicle Registration | Car payment | Yearly | Sep 15, 2026 | Y | $10.00 |
Scenario 2 — Social Security + Pension Household
One Social Security check + a pension, no taxes withheld, $40,000/year gross income.
| Bill Name | Category | Frequency | Start Date | Recurring | Monthly |
|---|---|---|---|---|---|
| Rent/HOA | Mortgage | Monthly | Jul 1, 2026 | Y | $600.00 |
| Medicare Supplement | Medical | Monthly | Jul 5, 2026 | Y | $200.00 |
| Prescriptions | Medical | Monthly | Jul 8, 2026 | Y | $100.00 |
| Electric | Utility | Monthly | Jul 10, 2026 | Y | $110.00 |
| Water/Sewer | Utility | Monthly | Jul 12, 2026 | Y | $50.00 |
| Phone | Utility | Monthly | Jul 15, 2026 | Y | $60.00 |
| Internet | Utility | Monthly | Jul 15, 2026 | Y | $60.00 |
| Car Insurance | Insurance | Monthly | Jul 18, 2026 | Y | $90.00 |
| Homeowners/Renters Insurance | Insurance | Monthly | Jul 20, 2026 | Y | $40.00 |
| Cable/Streaming | Subscription | Monthly | Jul 22, 2026 | Y | $30.00 |
| Life Insurance | Insurance | Monthly | Jul 25, 2026 | Y | $60.00 |
| Property Tax (monthly) | Other | Monthly | Jul 28, 2026 | Y | $100.00 |
| Groceries | Other | Bi-weekly | Jul 14, 2026 | Y | $400.00 |
| DMV/Vehicle Registration | Car payment | Yearly | Sep 15, 2026 | Y | $7.00 |
nothing you don't.
Every plan — including the free trial — includes the complete feature set. No paywalled tiers, no stripped-down lite version.
Bill calendar
You enter your bills and paydays — the app shows every bill, payment due date, and payday on a monthly calendar, color-coded so you see what's urgent at a glance.
Bill list view
Full sortable and filterable list of most bills. Mark paid, edit amounts, or delete with one click.
Payday tracking
Add recurring or one-time paydays. The app calculates your net take-home after estimated federal, state, and SS taxes automatically.
Welcome popup
A daily summary popup on sign-in shows available funds, next payday countdown, and every unpaid bill this month — most of it in one screen.
Smart alerts
Set custom low-funds thresholds. Get a full-screen alert the moment your available balance falls below your comfort level.
Bulk bill upload
Add dozens of bills at once using the bulk upload tool — paste or type a list and most get added in seconds.
Account comparison
Manage 3 separate accounts — each with its own bills, paydays, and balance.
Summary dashboard
Rolling 6-month summary bar shows total bills, net income, and remaining balance month by month at the top of every view.
Recurring bills
Set any bill to recur monthly forever. The tracker auto-fills future months and tracks paid status independently each month.
Loan comparison tool
Compare up to 4 loan options side by side with full amortization schedules so you can choose the right payoff strategy.
Dark mode
Full dark mode support across every screen. Toggle instantly from the top bar — your preference is saved automatically.
Mobile friendly
Fully responsive layout that works perfectly on phones, tablets, and desktops — no app download required.
Monthly financial reports
Print-ready report of bills paid, bills not paid, the date each bill was paid, and your day-by-day balance for any month — with negative and below-minimum balance days flagged automatically.
See an example report →Knows what you'll have
on payday before it arrives
The app projects your available funds all the way to your next payday — factoring in carry-forward balance, bills due before payday, and your estimated net take-home.
- Auto-calculated net pay after taxes & deductions
- Bills due before next payday listed with urgency
- Projected total available on payday
- Shortfall warnings if you'll run out before payday
- Supports bi-weekly, twice-monthly, weekly, and monthly pay
with 1 paycheck and your first 7 highest priority bills.
No imports, no complicated setup. Bill & Payday Tracker is designed to be useful from the moment you sign in.
Create your free account
Sign up with just your email and a password. Your 90-day free trial starts immediately — full access to every feature, no credit card required. Most of your data is private to your account.
Add your payday schedule
Tell the app when you get paid and how much. Enter your gross pay — use your pay stub or best guess. Set federal, state, and SS tax percentages to match your actual withholding, or enter 0 if not applicable. The app automatically estimates your net take-home. Works with weekly, bi-weekly, twice-monthly, and monthly pay schedules.
Enter your bills
Add each bill with a name, amount, due date, and category. Mark it recurring and it'll reappear every month automatically. Use the bulk upload tool to add your entire bill list at once — paste in a list and most get added in one go.
Sign in each day for your daily summary
Every time you sign in, a welcome popup shows your complete financial picture for today — available funds, next payday countdown, and every unpaid bill this month with a checkbox to mark them paid right from the popup.
Set alerts and stay ahead
Configure a low-funds threshold in the Alerts tab. If your available balance ever drops below it, the app shows a full-screen alert the next time you sign in — so you know before a payment bounces, not after.
Manage multiple accounts
Switch between up to 3 separate accounts — checking, savings, a partner's account, whatever fits your life. Each account has its own bills, paydays, and balance. Use the Compare view to see most of them side by side.
Then pick the plan that fits your household.
Start with a full-featured 90-day free trial — no credit card, no commitment. When your trial ends, choose a monthly plan sized to how many people you want sharing the account with you.
- Every feature included
- Up to 3 accounts
- Unlimited bills & paydays
- Daily summary & alerts
- Cancel any time
- Everything in Solo
- Share with up to 3 people
- Per-person read/write permissions
- Cancel any time
- Everything in Family
- Share with up to 10 people
- Per-person read/write permissions
- Great for a bookkeeper, caregiver, or extended family
- Cancel any time
A Business plan (share with up to 25 people) is currently in development — check back soon.
Plan comparison
| Feature | Solo | Family | Assistant |
|---|---|---|---|
| Every feature included | |||
| Up to 3 accounts | |||
| Daily summary popup | |||
| Alerts & low-funds warnings | |||
| Loan comparison tool | |||
| Bulk bill upload | |||
| Account sharing (per-person read/write) | — | Up to 3 | Up to 10 |
| Price | $7.99/mo | $12.99/mo | $16.99/mo |
first pay + 7 key bills.
Follow these two setup steps and you'll have a fully working tracker immediately. Everything else can be added later. You can add more paychecks and bills to include yearly bills if needed.
We're testing new Bill & Payday Tracker features before they go live. You don't need any technical background — just a willingness to click around, try to break things, and tell us what happened. Anyone can do this.
Free access while you test
Active testers get free full access — until you've found 6 verified bugs or 1 year has passed, whichever comes first. That's when the free program ends.
$10 per 3 verified bugs (up to $20)
Find and document 3 bugs we can confirm, and we'll pay you $10 for the set via PayPal or Venmo — up to $20 total across your first 6 verified bugs, matching the free-access cap above. Found something especially valuable? We may pay $3 per bug individually instead, at our discretion.
Short sessions
Please don't spend more than 30 minutes at a time testing. Short, focused sessions catch more real-world issues than one long marathon.
Break it on purpose
Try entering both numbers and letters in every field, even ones that expect only numbers (like bill amounts). Weird input is exactly what we need tested.
- No experience required — if you can use a website, you can beta test.
- Test in short sessions — 30 minutes max at a time. Come back later for more.
- Try both numbers and letters in every input field, especially ones meant for numbers only.
- A bug only counts as "verified" once you've reproduced it at least twice, on two separate logins/accounts.
- Document what you find using the bug report format below — vague reports ("it's broken") can't be paid out.
- Duplicate reports of a bug someone already found don't qualify for payment, but still say thanks — it confirms the bug.
- Payment and free access are issued once we've confirmed the bug ourselves.
- Free access lasts until you've found 6 verified bugs or 1 year has passed, whichever comes first.
Use this format when you email us or use the contact form to report a bug. The more detail, the faster we can confirm and pay it out.
Odd number formats
Negative numbers, decimals, huge numbers, $0, and blank fields where a number is expected.
Letters & symbols
Try letters, spaces, emojis, and special characters (like $ % # &) in name and note fields.
Refresh & back button
Refresh mid-form, or hit your browser's back button after saving. Does anything get lost or duplicated?
Phone vs. desktop
Try the same steps on your phone and on a computer — sometimes a bug only shows up on one.
Multiple accounts
Switch between your 3 accounts and make sure bills, paydays, and balances don't cross over.
Dark mode
Toggle dark mode on and off and check that every screen still looks and reads correctly.
Ready to help us test?
No experience needed — just a login, 30 minutes, and an eye for what looks off. Reach out and we'll get you set up with a test account.
Still wondering about something? Here are the answers to the most common questions.
Ready to take control?
Start your 90-day free trial today — full access, no credit card needed.
1. Acceptance of Terms
[Legal wording to be added by your attorney. Placeholder — this section will cover your agreement to use the service under these terms.]
2. Use of the Service
[Legal wording to be added. This section covers permitted use, prohibited activities, and account responsibilities.]
3. Subscriptions & Billing
[Legal wording to be added. This section covers trial period, billing cycles, and the refund policy — including no refund after 4 months of paid use, not including the free trial.]
4. Cancellation Policy
You may cancel at any time from your account settings. All plans are billed monthly, and access continues until the end of the current billing period. No cancellation fees apply. No refund is issued after 4 months of paid use, not including the free trial.
5. Data & Privacy
[Legal wording to be added. This section covers data ownership, storage, and deletion. See also our Privacy Policy.]
6. Disclaimer of Warranties & Limitation of Liability
The Service is provided "as-is" and "as available," without warranty of any kind, express or implied. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any calculations, totals, balances, or projections displayed are accurate, complete, or reliable. You are solely responsible for reviewing and verifying all bills, dates, amounts, and calculations before relying on them — we are not responsible for any math errors. The Service is not a substitute for professional financial, tax, legal, or accounting advice, and nothing in the Service should be construed as such advice. You use the Service entirely at your own risk. To the fullest extent permitted by law, our total liability to you for any and all claims arising out of or relating to your use of the Service will not exceed fifty dollars ($50.00), regardless of the form of the claim or the theory of liability. We are not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, or financial losses resulting from your use of, or inability to use, the Service.
7. Changes to Terms
[Legal wording to be added. This section covers how you will be notified of changes to these terms.]
8. Contact
For questions about these terms, contact us at the email listed on this site.
1. Information We Collect
We collect your email address and the bill and payday data you enter into the app. We do not collect bank account numbers, credit card numbers, or any banking credentials. We do not connect to your bank.
2. How We Use Your Information
[Legal wording to be added. This section covers how collected data is used to operate the service.]
3. Data Storage & Security
[Legal wording to be added. This section covers where data is stored, encryption, and access controls.]
4. Data Sharing
We do not sell, rent, or share your personal information with third parties. Your bill amounts and account information stay private to your account.
5. Cookies
[Legal wording to be added. This section covers use of cookies or local storage for session management.]
6. Your Rights
[Legal wording to be added. This section covers your right to access, correct, or delete your data.]
7. Contact
For privacy-related questions, contact us at the email listed on this site.
We compared Bill & Payday Tracker against other bill tracking apps and wrote up what we found — the good and the not-so-good. We think you deserve a straight answer before you sign up.
We researched the 10 apps people most commonly compare against a bill tracker — Rocket Money, Monarch Money, Copilot Money, PocketGuard, Prism, Quicken Simplifi, YNAB, EveryDollar, Empower, and Honeydue — based on their published pricing and feature pages as of mid-2026. Here's how our approach differs, feature by feature.
| App | Price | Bank sync required | Payday projection | Auto net-pay calc | Bulk bill entry |
|---|---|---|---|---|---|
| Bill & Payday Tracker (us) | $7.99–$16.99/mo | No | Yes | Yes | Yes |
| Rocket Money | Free, or ~$6–12/mo Premium | Yes | No | No | No |
| Monarch Money | $14.99/mo or $99.99/yr | Yes | No | No | No |
| Copilot Money | $13/mo or $95/yr | Yes | No | No | No |
| PocketGuard | Free, or ~$7.99/mo Plus | Yes | No | No | No |
| Prism | Free | Yes | No | No | No |
| Quicken Simplifi | ~$3.99–5.99/mo (annual) | Optional* | No | No | No |
| YNAB | $14.99/mo or ~$109/yr | Optional* | No | No | No |
| EveryDollar | Free, or $17.99/mo Premium | Optional* | No | No | No |
| Empower Personal Dashboard | Free | Yes | No | No | No |
| Honeydue | Free, or $6.25–12.99/mo Premium | Yes | No | No | No |
*Optional bank sync — these apps can be used with manual entry, but their budgeting model (auto-categorization, spending trends) is built around linking accounts and works best that way. Pricing and features change frequently; this reflects each app's publicly listed pricing/feature pages as of mid-2026 rather than hands-on testing of every app. "Payday projection" means calculating your available balance specifically on your next payday after subtracting bills due before it — not just showing a running balance.
Bill & Payday Tracker isn't trying to be YNAB or Monarch. It fills a specific gap — "I just want to know if I'll make it to payday" — and, based on our research into 10 popular alternatives, none of them answer that question as directly as we do. The payday projection, net-pay auto-calculation, and daily welcome summary are genuinely different from what the competition offers. We've also closed our biggest previous gap: automated email alerts for low funds, negative balance, and missed payments now run daily, whether or not you log in. What's still missing is a simple "this bill is due in 3 days" reminder — that's next on our roadmap. We're being honest with you because we'd rather have users who are the right fit than users who are disappointed.
Judge for yourself — free for 90 days
No credit card. No commitment. Full access to every feature from day one.