While there are many ways to track and pay your bills (including automatic payments), a simple spreadsheet is a great tool for the job.
A bill payment spreadsheet can help you track past and future payments, see how much you owe and pay each month, and (where applicable) show the interest rates on each account so you can prioritize payments before you owe excess interest payments.
While automation is a winning financial practice, many people prefer to manually pay their bills. This can catch inaccuracies, but also help manage cash flow. A bill payment tracker spreadsheet is perfect for people who prefer manual tracking, or a combination of automated and manual bill tracking.
Use a spreadsheet for bills to:
- Know what payments are coming up
- See what you might have to pay
- Track past payments
- Track bills with your spouse or business partner
- See your upcoming bills on the go with Excel and Google Sheets mobile apps
Note: A monthly budget can also help you anticipate upcoming and recurring expenses. Here is a free monthly spreadsheet budget you can download today.
These templates are simple, which is part of their appeal. But if you’re comfortable working in Google Sheets, you can connect your spreadsheets to Google Calendar, use Apps Script to get automated email reminders, and even send texts from your spreadsheets.
Here are five free spreadsheets for bills to keep you in control of your cash flow and account balances.
Best Spreadsheets for Bills
Best Bill Payment Tracker for Google Sheets
Easily track bills you manually pay via check or credit card with this flexible, highly visual bill payment template.
Bill Tracker Worksheet from Vertex42
This simple, printable spreadsheet helps you organize your list of bills, then print a copy to use in your budget planner. On the bill tracker spreadsheet page on Vertex42.com, you can also download a free PDF version of this checklist.
Customizable Monthly Budget Tracker
Google offers a free Monthly Budget tracker that can easily be adapted for tracking bills. Bar graph visualizations are a nice feature of this template.
Simple Bill Pay Schedule Spreadsheet from Excel Templates
This bare-bones bill payment checklist for Microsoft Excel is easily customized and prints nicely.
Bill Tracking Spreadsheet Starter Template
This very simple template is a good place to start for building your own custom bill tracking spreadsheet.
Bonus: Use This Simple To-Do List Spreadsheet for Bill Tracking
If your bills are simple, but you want peace of mind that you won’t forget to pay any of them, you could put them on a simple to-do list.