Bill & reserve planner
Bill planner: reserves, final charges and calendar
Choose first-payment reserves or a continuing fund. Only continuing mode adds optional final-charge and review dates with a local calendar; no cancellation is performed.
Plan settings
Changing currency relabels amounts; it does not convert them.
Up to 24 bills; a 730-day horizon; at most 1,000,000,000 per amount.
Bills and renewals
Assign each saved amount to only one bill.
Your plan
Full bills before income: CA$240.00. Immediate funding gap: CA$0.00.
- Full bills before income
- CA$240.00
- Monthly comparison
- CA$10.00
- Annual comparison
- CA$120.00
- Immediate funding gap
- CA$0.00
Includes the start date; excludes the income date. Reserves do not reduce the full bills shown.
Recurring comparisons use 52 weeks per year and exclude one-off bills.
First payment funding
Only the next payment is funded here; later cycles require a new plan. This is not additional spending.
| Bill name | Next actual due date | Full payment amount | Reserve already assigned | Amount still to save | Deposits before due | Regular deposit |
|---|---|---|---|---|---|---|
| Annual renewal | Nov 10, 2026 | CA$120.00 | CA$20.00 | CA$100.00 | 5 | CA$20.00 |
| Upcoming bill | Oct 16, 2026 | CA$240.00 | CA$60.00 | CA$180.00 | 2 | CA$90.00 |
Combined savings deposits
| Date | Bills and renewals | Required deposit | Affordable amount per deposit | Capacity shortfall |
|---|---|---|---|---|
| Oct 6, 2026 | Annual renewal: CA$20.00Upcoming bill: CA$90.00 | CA$110.00 | CA$100.00 | CA$10.00 |
| Oct 13, 2026 | Annual renewal: CA$20.00Upcoming bill: CA$90.00 | CA$110.00 | CA$100.00 | CA$10.00 |
| Oct 20, 2026 | Annual renewal: CA$20.00 | CA$20.00 | CA$100.00 | CA$0.00 |
| Oct 27, 2026 | Annual renewal: CA$20.00 | CA$20.00 | CA$100.00 | CA$0.00 |
| Nov 3, 2026 | Annual renewal: CA$20.00 | CA$20.00 | CA$100.00 | CA$0.00 |
Full payment timeline
| Date | Bill name | Full payment amount |
|---|---|---|
| Oct 16, 2026 | Upcoming billFull bills before income | CA$240.00 |
| Nov 10, 2026 | Annual renewal | CA$120.00 |
Your entries stay on this page. No storage, bank connection, conversion, interest, reminders or automatic cancellation.
Continuing pooled bill fund
Follow one assigned reserve through repeated full charges and actual transfers. This scenario does not use the first-payment plan’s reserves or required deposits.
Entries stay only in this page’s memory, without storage, sharing URLs or financial-input analytics. Clear or reload to remove them. CSV download is local.
How continuing funding works
The fund starts with the opening reserve you explicitly assign. Add each actual transfer and subtract every full charge within the period. Existing per-bill reserves, required first-payment deposits and household income are not imported or counted again.
The start is included; the end is excluded. Repeating calendar dates keep their original day, clipped in shorter months. Charges precede transfers on the same day: a cautious planning order, not a bank-clearing rule. The opening and every event determine the minimum, first gap and worst gap.
Additional opening reserve is max(0, minus the lowest balance). It is a requirement for this entered schedule, not available money or proof of affordability. Transfers continue after earlier bills; later recovery does not erase earlier shortages. No interest, FX, bank execution or automatic repair is modeled.
Continuing-fund questions
Can I reuse the first-payment reserves?
This is a separate pooled scenario. Assign opening money explicitly; copying bills does not copy reserves, capacity or required deposits.
Does a positive closing reserve mean every bill is funded?
No. Check opening and event-level shortages. The first gap may be smaller than the worst; later transfers cannot pay a bill retrospectively.
Are transfers additional household spending?
They allocate money internally to the fund; the external bill is the expense. Check whole-household cash separately and do not count both twice.
How final-charge dates work
Only continuing mode uses these dates. Full charges retain their original cadence and occur on or before the entered cutoff, within the start-inclusive, end-exclusive period. An unscheduled cutoff adds no charge; no proration or refund is calculated. Actual transfers remain unchanged.
The independent review date never changes financial results. Earlier reviews are before this scenario, not proof of a missed legal deadline. Notice sent, provider confirmation, service access and final payment can have different dates; check the actual contract and provider.
The local calendar contains actual modeled charges and in-period reviews, without amounts or transfers. Importing is your choice; configure and check notifications there. Names and dates may be stored by that provider. Later edits do not synchronize; another import can duplicate entries.
Final-charge and calendar questions
Does a final-charge date cancel the subscription?
No. It is your planning assumption, not an instruction to the provider or bank. Even zero modeled charges do not confirm cancellation or remove possible provider obligations.
What does a review before start mean?
Only that your entered review date precedes this scenario. A review at or after its excluded end is outside the export. Neither label determines legal notice compliance.
Will the calendar update or send reminders?
The downloaded file is a snapshot. This page sends no alerts and does not synchronize later edits. Choose where to import, check that calendar’s alerts and avoid duplicate imports.
How first-payment funding works
An annual renewal is paid in full on its due date, even when its monthly comparison looks small. Weekly comparisons assume 52 payments a year; the dated timeline counts the actual occurrences. A bill on the income date is outside the before-income window, so check payment and income timing yourself.
For each first payment, remaining need = max(0, full amount − its assigned reserve). We divide that need by the actual savings dates strictly before the due date and round the regular deposit up to the smallest currency unit. The last deposit is reduced to the exact remaining need. If no deposit date is available, the whole remaining need is an immediate gap.
Monthly, quarterly and annual dates retain the original day, clipped only when a month is shorter: January 31 becomes February 28 and then March 31. Deposits assigned to different bills are added on their shared dates. An optional affordable amount reveals shortages; it does not change the funding schedule.
First-payment questions
Can the same reserve fund two bills?
No. Enter money earmarked specifically for that bill. Extra reserve remains with that bill and is not automatically transferred. Full payments and savings transfers are separate views; do not add both as household spending.
Does this fund every future renewal?
No. The reserve schedule covers each bill’s next payment only. The payment timeline repeats bills at unchanged amounts, but does not recycle reserves, forecast income or execute transfers. Replan after a payment or a price change.
What if a deposit is unaffordable?
The shortfall is required deposits minus your optional capacity on that date, never below zero. Immediate gaps have no earlier deposit date and are shown separately. Change amounts, savings dates or confirmed due dates deliberately; the tool cannot renegotiate a bill.