Free Excel template
Free Excel bill payment tracker template
For households juggling a dozen bills with different due days. List each bill once with its amount and due day; pick the month and the template works out every due date, flags what is overdue, due within a week or paid late, and totals what is paid and what is still to come.
Preview and try it
This is the template's sheet, calculated by the same engine as the Cellwise app. Change any number to see the formulas react before you download.
| A | B | C | D | E | F | G | H | I | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Bill payment tracker | ||||||||
| 2 | Month (first day) | Nov 1, 2026 | |||||||
| 3 | As of date | Nov 12, 2026 | |||||||
| 4 | |||||||||
| 5 | Bill | Category | Amount | Due day | Autopay? | Due date | Date paid | Status | Days left |
| 6 | Rent | Housing | 1650 | 1 | No | 46327 | Oct 30, 2026 | Paid | |
| 7 | Renters insurance | Insurance | 18 | 1 | Yes | 46327 | Nov 1, 2026 | Paid | |
| 8 | Streaming bundle | Subscriptions | 22.99 | 3 | Yes | 46329 | Nov 3, 2026 | Paid | |
| 9 | Car payment | Transport | 389 | 5 | Yes | 46331 | Nov 5, 2026 | Paid | |
| 10 | Daycare | Family | 980 | 7 | No | 46333 | Nov 7, 2026 | Paid | |
| 11 | Natural gas | Utilities | 48.75 | 9 | No | 46335 | Nov 10, 2026 | Paid late | |
| 12 | Gym membership | Subscriptions | 39 | 10 | Yes | 46336 | Overdue | -2 | |
| 13 | Internet | Utilities | 70 | 14 | Yes | 46340 | Due soon | 2 | |
| 14 | Student loan | Debt | 210 | 15 | No | 46341 | Due soon | 3 | |
| 15 | Electric | Utilities | 128.4 | 18 | Yes | 46344 | Due soon | 6 | |
| 16 | Phone | Utilities | 85 | 20 | Yes | 46346 | Upcoming | 8 | |
| 17 | Water and sewer | Utilities | 64.2 | 22 | No | 46348 | Upcoming | 10 | |
| 18 | Credit card | Debt | 250 | 25 | No | 46351 | Upcoming | 13 | |
| 19 | Car insurance | Insurance | 142 | 28 | Yes | 46354 | Upcoming | 16 | |
| 20 | Cloud storage | Subscriptions | 2.99 | 30 | Yes | 46356 | Upcoming | 18 |
How the formulas work
A real due date from a due day, even in short months
DATE builds the due date from the year and month in B2 and the due day. EOMONTH($B$2,0) is the last day of that month, and MIN stops a due day of 31 rolling into the next month: in November the hospital payment plan lands on November 30, and in February it would land on the 28th or 29th.
Paid, paid late, overdue or due soon
Once you type a date paid, the bill is Paid, or Paid late if the date is after the due date (natural gas in the sample). Unpaid bills are compared with the as of date: past due is Overdue, within 7 days is Due soon. The gym bill shows Overdue even though it is on autopay, which is exactly the case worth catching: autopay can fail when a card expires.
Days left until each unpaid bill
Due date minus the as of date. Paid bills go blank, so the column only shows what still needs attention. A negative number is the days overdue.
Total of bills paid so far
Two SUMIFs, one for each paid status, added together. Still to pay is the total minus this figure, and the overdue and due soon lines use the same SUMIF pattern with their own status, so you can see at a glance how much needs to be in your account this week.
Make it yours
- Next month, change B2 to the first of the new month, clear the Date paid column, and every due date and status updates. Make a copy of the sheet first (right-click the tab > Move or Copy > Create a copy) if you want a record.
- Color the statuses: select H6:H23, Home > Conditional Formatting > Highlight Cells Rules > Text that Contains, add Overdue in red and Due soon in yellow.
- Sort by due date to pay in order: select A5:I23, then Data > Sort by Due date, oldest to newest.
- There is no TODAY() in the file on purpose, so the sample statuses stay put. Type today's date in the As of date cell when you open it, or replace that cell with
=TODAY()if you want it to update by itself.
FAQ
How do I track bills and due dates in Excel?
List each bill with its amount and due day, build the due date for the month with DATE(year, month, day), and add a Date paid column. An IF formula compares the due date with today (or an as of date) to show Overdue, Due soon or Paid.
What if a bill is due on the 31st?
DATE would roll the 31st of a 30-day month into the next month, so this template caps the day at the last day of the month with MIN and EOMONTH. Many billers move the date the same way; check your statement.
Can I add bills that are not monthly, like annual insurance?
Yes, but only list them in the months they are due. For a mix of monthly and annual bills, keep annual ones on a separate list with their full due date, or add a Months column and show the bill only when the month matches.
Functions used
SUMAdds numbersSUMIFAdds cells that matchCOUNTIFCounts cells that matchIFERRORFallback when a formula errorsINDEXValue at a positionMATCHPosition of a valueMINSmallest numberIFPicks a result from a testDATEBuilds a dateYEARYear of a dateMONTHMonth numberDAYDay of the monthEOMONTHLast day of a monthORTrue if any test is true
Related guides
- Excel IF statement with multiple conditions
- How to write a nested IF in Excel
- How to use INDEX MATCH in Excel
- SUMIFS with multiple criteria in Excel
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