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Debt tools · Plan

Bill Priority Planner

List what is due before your next income, read what a missed payment can trigger, set the order, and see which bills remain uncovered.

Use this tool

This tool is for you if: the cash on hand will not cover every bill or basic need due before your next income.

Debt tools Prioritize urgent bills
About 7 minutes Works in this browser

Have court papers? Verify the case and response deadline first. Open the dedicated guide.

Cash on hand

Plan the bills due before your next income

Add each bill or basic need and read what missing it could trigger. Set the funding order yourself. The result is a short handoff: what to do today, this week, and later, with a call script and matching help next to each essential.

Set the order yourself. The category text covers common outcomes. Your contract, court order, local law, health, safety, and job needs may point to a different order.

Private to this browser. Entries and calculations stay on this device. Do not enter account numbers.

Your priority order

The first item receives cash first

Read the consequence under each item, then use the arrows to move it. For groceries, use the next shopping date.

0 items
Allocation safety rule

Automatic allocation pays full items down the list. It stops and leaves that cash unassigned when the next item cannot be covered. Manual amounts are kept where they fit the bills and available cash. No partial payment is assumed; confirm that a partial payment would help before entering one.

More help

Official sources by need

Your handoff places matching help next to each bill. This list covers the same sources in one place. Programs vary by place and eligibility.

Housing HUD lists participating counselors for rental, eviction, mortgage, and foreclosure problems. HUD Utilities USAGov links to LIHEAP and state utility shutoff rules. USAGov Food The USDA hotline connects callers with food providers and government nutrition programs. USDA Legal aid Locate an LSC-funded civil legal-aid organization for housing, family, or consumer matters. Legal Services Corporation Nonprofit credit counseling CFPB explains how to compare fees, credentials, contracts, and debt-management plans. CFPB
Method, sources, and limits

The CFPB worksheet asks people to weigh what a missed bill could trigger, with attention to housing, income, insurance, and court-ordered obligations. This planner uses the next income date to set the cash window and includes food. You still set the cash order. The handoff stages items by their own consequence category and due date: housing, utilities, food, work, insurance, and court-ordered items get a call today or this week when they are not fully funded; other creditors are contacted early; credit rebuilding is held until essentials and arrangements are stable, per CFPB and USAGov hardship guidance.

The Federal Reserve reported that 63% of adults said they would cover a $400 emergency expense with cash or its equivalent in 2025, unchanged from 2024.

This is educational information, not legal, financial, tax, or benefits advice. The planner cannot read your contract, calculate a court deadline, promise access to aid, or determine how a partial payment affects your rights. Confirm terms directly and seek qualified help when legal rights or safety are at stake.