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.
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
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. Read what missing it could trigger, then move the items into the order you want funded. The planner follows that order; it does not set one for you.
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.
Where to get help
Check the source that matches the uncovered bill
Programs vary by place and eligibility. Open the source to check current rules and contacts.
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 order.
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.
- CFPB: Prioritizing bills worksheet (PDF)
- Federal Reserve: Economic Well-Being of U.S. Households in 2025
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.
Your situation
Tell us what is happening now
Choose the most urgent answer for each question. You will get one recommended next action—not a diagnosis or a sales pitch.
Your working list
Add one account at a time
Use a recent statement or written notice. Account numbers are not needed, and you can leave fields blank when they do not apply.
Private to this browser. Nothing is sent to Credit Proud. Saved organizer data stays on this device until you clear it.
Add one card, loan, collector, or lawsuit account at a time. Use the example only to see the format, then replace it with statement or notice details.
Your card details
Enter the numbers from each statement
We will keep the same total monthly payment and compare which card receives the extra money first.
Start with real statement numbers. Each card needs a balance, APR, and minimum payment before the comparison can run.
Your request
Set up the call before you dial
Choose what changed, what you want to ask for, and a payment you can sustain after essentials.
What you can confirm
Check the notice against your records
Mark only the details you already have. The review will separate missing core information from useful follow-up checks.
Guardrail: Until validation details and any deadline risks are clear, avoid paying, promising payment, or sharing bank access.
0 of 8 checked. 0 of 4 core validation items. Progress is saved in this browser only — nothing is sent to Credit Proud.