Bill tracker that shows the river, not just the list
Put in your bills and paydays once. BillRiver lays out what's due, what's paid and what your balance will be on every day ahead, so the tight weeks show up before they arrive. Free, private, no account.
Next 60 days
Due in the next 3 weeks
This month
Bills $0 · Income $0 · Net $0
Your bills
0 bills · about $0/monthNo bills yet. Add your first one above.
Money coming in
No income added. The forecast will only show money going out.
Import bills from a statement
Paste transactions copied from your bank's website or app, or just type a rough list ("rent 1400 on the 1st, netflix 15.49…"). AI picks out the recurring ones. The text goes to our AI provider for this one request and is not stored; strip account numbers first if you like.
Ask the river reviewer
An AI read of the plan above: crunch days, bills worth moving, subscriptions to question. It only sees the bill names, amounts and dates listed here, sent for this one request.
Why a river instead of a spreadsheet
Most bill trackers give you a list with due dates. That answers "what do I owe?" but not the question that actually causes overdrafts: will the money be there on the day it's taken? A month can add up fine on paper and still dip below zero on the 3rd because rent leaves two days before payday.
BillRiver plays every bill and paycheck forward, day by day, from the balance you have now. The result is the river above: it rises on paydays, drops on due dates, and the orange dashed line marks the minimum cushion you want to keep. Wherever the water drops below that line, you know the date, the bill that caused it and how short you'd be.
How to use it in five minutes
- Press Start with my own bills, then type your balance today.
- Add each paycheck with its next date. Biweekly, twice-monthly and monthly all work.
- Add bills: rent, utilities, phone, insurance, loans, subscriptions. Or paste statement lines into the AI import and let it find them.
- Set a low-water mark, often one week of spending, and read the river.
- Tick bills off as you pay them, and put reminders on your phone from the bill calendar.
Want the longer view? The cash flow forecast runs the same projection out to a year, and budget by paycheck shows which check covers which bill.
Questions people ask
How do I track my bills?
List every recurring bill once with its amount, due date and how often it repeats, then check that list on each payday and tick bills off as the money leaves. BillRiver does the bookkeeping: it shows what is due in the next three weeks, flags anything past due that you have not ticked, and projects your balance so you can see whether each bill will be covered.
Where can I find a free bill payment tracker?
This page is one: free, with no account, no ads and no bank connection. If you prefer paper or a spreadsheet, the monthly bill tracker page prints a 12-month checklist or a blank template and exports a CSV for Google Sheets or Excel.
What is the best way to never miss a bill payment?
Combine three things: a single list of every bill, reminders that reach your phone a couple of days before each due date (export them from the bill calendar), and a check that the money will actually be in the account on that day (the cash flow river). Autopay helps for fixed bills once the timing is covered.
Is this bill tracker really free, with no signup?
Yes. BillRiver runs entirely in your browser. There is no account, no email and no bank connection. Your bills are saved in this browser's local storage on this device only.
How do the bill reminders work without an app?
Open the bill calendar and export your bills as a calendar file (.ics). Import it into Google Calendar, Apple Calendar or Outlook and your phone will remind you before each due date, with repeats set up automatically.
What is the cash flow river?
It is your projected bank balance for every day ahead: paydays raise the water, bills lower it. The orange dashed line is your low-water mark, the minimum you want to keep in the account. Any dip below it is a day to plan for.
Can I use it on my phone?
Yes. The tracker is built for phones first. Add the page to your home screen and it opens like an app. Data stays in that phone's browser, so use one device, or export a CSV from the monthly tracker page to move it.
Does BillRiver connect to my bank?
No, on purpose. You type bills in or paste statement text into the optional AI import. Nothing links to your bank account, so there is nothing to breach.
What happens to the sample data?
The page opens with a made-up household so you can see how it works. It is never saved. Press "Start with my own bills" or add a bill and the sample is replaced by your own list.