Expense, bill and debt trackersWhole year
Bill payment checklist
A landscape, whole-year grid for recurring bills. Each bill has a due day, an amount, an autopay column and twelve monthly boxes. You tick a box when the bill is paid and circle it if the payment was late.
- Type your details or print blank
- Print or PDF, Letter or A4
- Free, no sign-up
On this page
What prints
This sheet is printed sideways. It is headed Bill Payment Checklist and has a write-in line for the year. The grid has a Bill column, Due day, Amount and Autopay, followed by twelve narrow columns labeled Jan through Dec. Every bill row has a small checkbox under each month.
A line under the grid says to tick each month's box when the bill is paid, and to circle it if the payment was late. No total is printed. You decide what to add up, if anything.
The settings
- Heading. Custom title or the standard one.
- Layout. Whole year, a box per month. For the version with date paid and confirmation numbers, use the monthly bill tracker.
- Bills. 8 to 24 rows. If you have more than 24, print a second sheet and call it page two.
When a checklist beats a tracker
A monthly tracker records detail. This one shows a pattern. Glance across a row and you can see at once whether the water bill has been paid every month, and whether any circles cluster around a certain bill. That is useful for spotting a due date that never works with your payday, so you can ask the company to move it.
The Autopay column is a prompt, not a setting. Write yes or no for each bill. The CFPB notes that autopay can help avoid late fees but that you should still watch your account balance and the timing of transfers.
Worked example: a mid-year check
Your sheet has six bills. On July 1, you look at the six rows and the boxes for January through June: 36 boxes in all. Thirty-five have a tick. One, the water bill in March, is ticked and circled because it went in four days late. The empty box is the water bill for June, so that is the one to take care of today.
The two subscription bills tell a different story. Internet is $65.00 a month, so it costs 65.00 × 12 = $780.00 a year. A streaming plan at $15.99 costs 15.99 × 12 = $191.88. Together they are 780.00 + 191.88 = $971.88 over a year, which may prompt a review.
Keep it handy
Tape it inside a cabinet door, or put it with your files. Start a fresh sheet each January. This is a reminder tool, so for anything disputed with a company, rely on their statements.
Choosing what to list
Include anything that comes around on a schedule: rent or mortgage, utilities, phone, insurance, loan payments, memberships and subscriptions. Yearly bills such as a license renewal can be listed too, with a tick in only the month they fall due. Leave the other eleven boxes blank.
Sources
- CFPB: What is autopay? consumerfinance.gov
- CFPB: Ways to pay your bills files.consumerfinance.gov