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How to Set Up a Bills Calendar (So Nothing Catches You Out)
26 October 2026 · SlateAndTally
Late fees and surprise bills usually happen because we forget when things are due. A bills calendar fixes that by putting every bill on the date it lands.
1. List every bill
Rent or mortgage, power, gas, water, phone, internet, insurance, rego, subscriptions, council rates, school fees.
2. Note the due date and frequency
Monthly on the 15th? Quarterly? Yearly in March? Write it down.
3. Put them in order
Lay them out on a calendar or a list sorted by date. Mark which pay each one comes out of.
4. Smooth out the lumps
Quarterly and yearly bills go in a sinking fund. Divide the yearly cost by 26 and set that aside each fortnight.
5. Review monthly
Prices change. Check each month and update amounts.
See the bills tracker or how to budget for yearly bills.
General information only, not financial or tax advice.
FAQ
Can I move bill due dates?
Many providers let you. Ask them.
What about direct debits?
Put them on the calendar too.
Is there a free version?
Our free mini paycheck budget is a good start.
Try it in an app
Money HQ (A$59, one-off): Your whole money life in one browser app: payday-aware budget, bills calendar, savings goals, debt payoff and net worth.
Sinking Funds (A$19, one-off): Save a little each pay for the big bills you know are coming: rego, insurance, Christmas, school fees, holidays.