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FREE TOOL / NO SIGNUP

Bill calendar running-balance calculator

Find a cash shortfall that a monthly total can hide.

Your numbers

A planned negative balance is not permission to borrow. Eight events and days 1–31 only; choose valid dates for your month. Combine minor spending carefully and include uncertainty. No bank connection, automatic payments or interest calculation.

How it works

Enter up to eight events for one month: positive amounts are income, negative amounts are payments. Use zero for unused events. Events are sorted by day; equal-day events use their entry order. The calculation includes the opening balance and shows the balance after each event. Verify real clearing order and available funds.

Example: the starting calendar has a 150 monthly surplus and a 250 closing balance, but its lowest balance is minus 250. Move the utility event from day 5 to day 17 only if the provider has agreed: the lowest balance becomes zero.

Source and background

CSV files open in spreadsheet apps. They contain your inputs and calculated results, not formulas or a connected financial account.