Staying on top of bills and avoiding late fees can be a challenge. A bill pay calendar is an easy way to organize all your payments in one place. Luckily there are many free printable bill calendar templates available online to fit any budgeting style.
Benefits of a Bill Pay Calendar
Using a calendar to track your bills has many advantages:
- See all due dates in one view
- Ensure bills are paid on time
- Avoid late fees
- Track bill payment status
- Plan your income and expenses
- Reduce stress about forgetting payments
A physical bill calendar lets you visually organize and manage your finances Digital calendars can also sync across devices for on-the-go access
Popular Bill Calendar Layouts
There are a few common layouts and designs for bill calendars:
Grid calendar Shows each day of the month in a standard calendar grid with bill details written in the date boxes
List format: Lists bill due dates, payees, and amounts in columns without displaying a calendar.
Combined: Combines a monthly calendar grid with a list of bills due that month.
Cash flow: Calendar rows are divided into income and bills to track cash inflows and outflows.
Paycheck: Columns or rows are split into paycheck dates to assign bills to each pay period.
The best bill calendar depends on your personal payment schedule and preferences. Try different free templates to see which works for you.
Creating Your Own Calendar
You can easily create a DIY bill calendar from scratch. Here’s how:
- Draw out a monthly calendar grid
- Write in paydays or other income dates
- List all your recurring bills and expenses
- Add due dates and payment amounts
- Mark dates when bills are paid
- Tape it to your fridge or somewhere visible
Use columns, colors, and symbols to customize your calendar and make it easy to read. Update it each month or print free templates.
Where to Find Free Bill Calendar Templates
Many websites offer free printable bill calendars to download:
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TemplateLab: 12 templates in various styles to print.
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Printabulls: 18 templates including bill tracker lists and grids.
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ConsumerFinance.gov: Simple fillable PDF calendar with instructions.
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Vertex42: Classic monthly grid template.
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Home Binder: Payment log and monthly planner PDFs.
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One Little Project: Chalkboard styled monthly calendar.
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Pinterest: Search “bill calendar printable” for more DIY templates.
These sites offer 100% free bill calendars to save, customize, print, and organize your finances.
Tips for Using Your Bill Pay Calendar
Follow these tips for getting the most out of your calendar:
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Update it regularly – Add new bills immediately and mark off paid ones.
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Put it somewhere visible – On the fridge, by your desk, etc to always see it.
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Include bill details – Like account numbers, contact info, websites.
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Use a key – Symbols or colors to indicate bill status (paid, due, etc).
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Plan ahead – Schedule bill payments at least 5 days before due.
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Automate – Set up automatic payments for fixed bills.
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Build a buffer – Your calendar can help you plan to pay some bills early.
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Share access – Share a Google Calendar with a spouse or roommate.
A bill calendar template combined with good habit of regularly updating it can make managing bills smooth and stress-free.
Bill Calendar Apps and Software
In addition to printable calendars, there are digital bill pay apps and programs that can help:
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Mint: See all bills and due dates on desktop and mobile app. Can setup bill reminders. Syncs with bank accounts.
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EveryDollar: Browser and mobile budgeting app. Connect bills to track spending vs. income.
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Honeydue: Shared bill management for couples. Reminders, payment tracking, calendar.
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Billtracker: Tracks monthly bills across multiple bank accounts. Can automate payments. Web and mobile.
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Checkbook apps: Like Mint or EveryDollar but focused only on transaction and bill tracking.
These tools provide digital calendars linked to your real bill and payment data for a hands-off approach.
Specialized Bill Calendars
General monthly calendars work for most people’s needs. But there are also free bill templates tailored to specific situations:
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Weekly bill calendar – Better for people paid weekly. More granular view than monthly.
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Cash flow calendar – Help visualize income vs bill outflows each month.
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Paycheck calendar – Align bill due dates with paycheck deposit dates.
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Annual calendar – Track when infrequent, yearly bills are due.
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Bill splitter calendar – For roommates splitting shared bills.
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Giant wall calendar – Extra large format for the entire year.
Look for specialized bill calendar layouts if you need a less conventional approach.
Get Organized with a Free Bill Calendar
Never miss a payment again with a customizable bill pay calendar. Whether you love printable planners or digital apps, there are tons of free templates and tools available online to meet your schedule and needs. Try out a few options to find the best bill calendar system for you. Keeping all your due dates visible in one organized spot will provide peace of mind and make sure your finances stay on track.
Bill payment calendars you can use month after month
If you’d rather keep it simple and print a bunch of copies of the same template, try one of these.
Sometimes it’s nice to mix it up depending on the time of year. Here are a few fall-themed bill calendars you can throw into the mix to keep it fun.
If you’re not a fan of landscape calendars, you also have the option of grabbing this style instead.
The only other difference between this bill organizer template and the previous calendars is this version does not have the lines or checkboxes on the days.
There is a section for your goals located at the bottom of the template instead.
Budget Babe Templates Bill Calendar Tutorial
FAQ
How to keep track of bills and due dates?
How do I create a monthly bill calendar?
Once you have all the pertinent information you need and a plan to settle your monthly bills, you can create a checklist or calendar template. The monthly bill calendar can be created using a spreadsheet or a pre-made template that just needs to be filled out with the necessary data.
What is a monthly checklist & Bill calendar?
It also provides free templates that you can use multiple times. The primary purpose of a monthly checklist or bill calendar is to track your must-do expenses. It allows you to record each expense and cost for a given period.
What is a bill calendar / monthly bill tracker?
A bill calendar or monthly bill tracker makes it easy for you to keep track of due dates and payment status. Print these out along with some budget planner sheets and keep them in a designated binder or folder. That way, you’ll always know when your bills are due and how much. For personal use only. Please do not redistribute.
How do I create a monthly bill pay checklist?
You can use a physical template where you record your bill manually or an online checklist where you can track your bills digitally. Always include your daily expenses on the bill-pay checklist since they account for the majority of your monthly costs. Creating a monthly bill pay checklist can be difficult and time-consuming.
Why should you use a monthly bill template?
Getting your bills organized can be a huge relief. It helps you avoid late fees, missed payments, and other issues that come from not paying bills on time. You can use this monthly bill template to help you stay organized. A monthly bill calendar list is essential when you are using a check register to keep track of your bills.
What’s the difference between a bill organizer template and a previous calendar?
The only other difference between this bill organizer template and the previous calendars is this version does not have the lines or checkboxes on the days. There is a section for your goals located at the bottom of the template instead. Grab a free printable monthly bill calendar to help with organizing bills. Track due dates and payment status.