Free bill tracker for Google Sheets
List every bill you pay once: rent, utilities, phone, insurance, loans and subscriptions, with the day it's due and the usual amount. Tick a box when you pay it. The sheet works out this month's due dates, flags anything due soon or overdue, and adds up what's paid and what's still to pay.
Pro Want yearly bills, a calendar of due dates and a subscription audit? See Bill Tracker Pro →| Billsrowsandcells.com | ||||||||||
| Every bill, its due date, and a paid box for each month.Free template | ||||||||||
| Bill | Category | Due day | Amount | Autopay | Paid from | Due this month | Days left | Status | Notes | |
|---|---|---|---|---|---|---|---|---|---|---|
| Rent | Housing | 1 | $1,650.00 | Checking | Oct 1, 2026 | Paid | Pay through the landlord portal | |||
| Spotify Family | Subscriptions | 3 | $19.99 | Credit card | Oct 3, 2026 | Paid | ||||
| Renters insurance | Insurance | 3 | $18.00 | Checking | Oct 3, 2026 | Paid | ||||
| Car loan | Loans | 5 | $389.00 | Checking | Oct 5, 2026 | Paid | Paid off Aug 2027 | |||
| Internet | Utilities | 8 | $70.00 | Checking | Oct 8, 2026 | Paid | ||||
| Gym membership | Subscriptions | 10 | $40.00 | Credit card | Oct 10, 2026 | Paid | Thinking of cancelling | |||
| Cell phones | Utilities | 12 | $95.00 | Credit card | Oct 12, 2026 | Paid | Two lines | |||
| Electric | Utilities | 14 | $118.00 | Checking | Oct 14, 2026 | Paid | Amount changes each month | |||
| Student loan | Loans | 15 | $245.00 | Checking | Oct 15, 2026 | Paid | ||||
| Natural gas | Utilities | 16 | $64.00 | Checking | Oct 16, 2026 | -2 | Overdue | Pay online, no autopay | ||
| Car insurance | Insurance | 20 | $141.00 | Credit card | Oct 20, 2026 | 2 | Due soon | |||
| Water and sewer | Utilities | 22 | $62.00 | Checking | Oct 22, 2026 | 4 | Due soon | |||
| Netflix | Subscriptions | 22 | $15.49 | Credit card | Oct 22, 2026 | 4 | Due soon | |||
| Life insurance | Insurance | 25 | $38.00 | Checking | Oct 25, 2026 | 7 | Due soon | |||
| Credit card (Visa) | Credit cards | 28 | $150.00 | Checking | Oct 28, 2026 | 10 | Coming up | Pay more than the minimum when you can | ||
| Paid Gridrowsandcells.com | |||||||||||||||||
| Type in the cream cells. Shaded cells are formulas and fill in on their own.Free template | |||||||||||||||||
| Bill | Due day | Amount | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Months paid | Paid this year | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Rent | 1 | $1,650.00 | 10 | $16,500.00 | |||||||||||||
| Spotify Family | 3 | $19.99 | 10 | $199.90 | |||||||||||||
| Renters insurance | 3 | $18.00 | 10 | $180.00 | |||||||||||||
| Car loan | 5 | $389.00 | 10 | $3,890.00 | |||||||||||||
| Internet | 8 | $70.00 | 10 | $700.00 | |||||||||||||
| Gym membership | 10 | $40.00 | 10 | $400.00 | |||||||||||||
| Cell phones | 12 | $95.00 | 10 | $950.00 | |||||||||||||
| Electric | 14 | $118.00 | 10 | $1,180.00 | |||||||||||||
| Student loan | 15 | $245.00 | 10 | $2,450.00 | |||||||||||||
| Natural gas | 16 | $64.00 | 9 | $576.00 | |||||||||||||
| Car insurance | 20 | $141.00 | 9 | $1,269.00 | |||||||||||||
| Water and sewer | 22 | $62.00 | 9 | $558.00 | |||||||||||||
| Netflix | 22 | $15.49 | 9 | $139.41 | |||||||||||||
| Life insurance | 25 | $38.00 | 9 | $342.00 | |||||||||||||
| Credit card (Visa) | 28 | $150.00 | 9 | $1,350.00 | |||||||||||||
| 0 | $0.00 | ||||||||||||||||
| 0 | $0.00 | ||||||||||||||||
| 0 | $0.00 | ||||||||||||||||
| 0 | $0.00 | ||||||||||||||||
| 0 | $0.00 | ||||||||||||||||
| Paid each month | $3,115.48 | $3,115.48 | $3,115.48 | $3,115.48 | $3,115.48 | $3,115.48 | $3,115.48 | $3,115.48 | $3,115.48 | $3,115.48 | $2,644.99 | $0.00 | $0.00 | 144 | $30,684.31 | ||
| Summaryrowsandcells.com | |||||
| Type in the cream cells. Shaded cells are formulas and fill in on their own.Free template | |||||
| Item | Value | ||||
|---|---|---|---|---|---|
| Today's date | Oct 18, 2026 | ||||
| This month | October 2026 | ||||
| Due soon means within (days) | 7 | ||||
| Bills each month | $3,115.48 | ||||
| Paid this month | $2,644.99 | ||||
| Still to pay this month | $470.49 | ||||
| Bills overdue | 1 | ||||
| Bills due soon | 4 | ||||
| Bills on autopay | 11 of 15 | ||||
| Bills over a full year | $37,385.76 | ||||
| Paid so far this year | $30,684.31 | ||||
| Subscriptions each month | $75.48 | ||||
| Subscriptions over a year | $905.76 | ||||
What's inside
- One list of every recurring bill: due day, usual amount, category, autopay and which account pays it
- This month's due date and days left for each bill, worked out from the due day
- Paid, Due soon, Overdue and Coming up flags so you can see what needs attention today
- A Paid Grid with a checkbox for every bill in every month of the year
- Totals for the month and the year: paid, still to pay, and what your subscriptions cost
- Works in Google Sheets and Excel
How to use it
Download your copy
Click "Free download" to save the .xlsx file. It opens in Excel, or in Google Sheets: open a blank sheet (sheets.new) and choose File, then Import, then Upload.
List your bills
On the Bills tab, replace the sample rows with your own bills. Type the day of the month each one is due (1 to 31) and the usual amount. Go through a couple of bank and card statements so nothing gets missed.
Mark autopay and the account
Tick Autopay for bills that pay themselves, and note which account or card pays each one. Autopay bills still belong on the list: you want to know the money will be there.
Set today's date
On the Summary tab, Today's date is fixed for the sample. Type =TODAY() there so due dates, days left and statuses always follow the real date.
Tick bills as you pay them
On the Paid Grid, tick the box under the month when a bill is paid. Its status on the Bills tab changes to Paid straight away.
Check in once a week
Look at the Status column on the Bills tab. Overdue means the due day has passed and this month's box isn't ticked. Due soon means it's due within the next 7 days.
Tips
Sort by due day
Keep the Bills tab in due day order (Data, then Sort range on the Due day column). Reading down the list then matches how the month goes.
Due on the 31st
A bill due on the 29th, 30th or 31st moves to the last day of shorter months, so February is handled for you.
Amounts that change
For electric, gas or a card balance, put a typical amount. It keeps the monthly total close, and you can note the real figure in Notes.
Look at the subscriptions line
The Summary tab adds up everything in the Subscriptions category, per month and per year. Seeing the yearly figure is often the push to cancel one or two.
Change what counts as soon
If you're paid every two weeks, set Due soon means within to 14 days so you see every bill that falls before the next paycheck.
Questions
How do I track bills in Google Sheets?
List each bill with its due day and amount, then keep a paid checkbox for each month. This template does that and adds this month's due date, days left and a status for every bill, so you only need to tick boxes as you pay.
What should a bill tracker include?
The bill, when it's due, the usual amount, whether it's on autopay, which account pays it, and a paid or unpaid mark for each month. Totals for paid and still to pay help you check there's enough in the account.
How does the sheet know a bill is overdue?
It takes this month's due date from the due day. If that date has passed and the box for this month on the Paid Grid isn't ticked, the bill shows Overdue.
Can I track bills that aren't monthly?
This free version assumes every bill is monthly. For a yearly or quarterly bill, you can tick only the months it's due and put a note. The Pro version handles yearly, quarterly and twice-a-year bills properly.
Does it work for subscriptions?
Yes. Put Netflix, Spotify, the gym and the rest in the Subscriptions category. The Summary tab shows what they cost each month and over a year.
Is this bill tracker free?
Yes. Download the .xlsx file and open it in Excel or Google Sheets. No sign-up.
Pro version
Bill Tracker Pro
Every bill typed once, including yearly and quarterly ones, with what's due this week, what's overdue and what your bills really cost in a year.
List every bill once
Monthly, every 2 months, quarterly, twice a year or yearly. Type the due day and amount once and the workbook works out every due date for the year.
Log a payment in two clicks
Pick the date and the bill on Payments. Leave the amount blank for the usual amount, or type it for bills that change, like electric.
See what needs paying now
The Dashboard shows what's due this month, what's still to pay and the next bills coming up, with Overdue and Due this week flags.
A calendar of due dates
Every bill sits on its day with the daily total, so you can line bills up with paydays. Paid bills turn green and overdue ones red.
The whole year in one grid
Every bill, every month: paid, overdue or due later. By Category shows the big months coming, like insurance or registration.
Audit your subscriptions
Each subscription with its yearly cost, next renewal and how often you use it. Mark the ones to cancel and see what you'd save in a year.
| Free | Pro |
|---|---|
| Monthly bills | Monthly, quarterly, twice a year and yearly bills |
| Tick a box when paid | Payment log with amounts, dates and notes |
| Due soon and overdue flags | Flags plus a Coming up next list from today |
| Paid grid with checkboxes | Colour-coded year grid with paid, due and unpaid totals |
| · | Dashboard with cards and charts |
| · | Calendar of due dates with daily totals |
| · | Monthly totals by category |
| · | Subscription audit with yearly cost and savings |
| · | Higher than usual flag on payments |
$15 one-time
9 tabs: Start Here, Dashboard, Bills, Payments, Calendar, Paid Grid, By Category, Subscriptions and Setup. You get two copies: one filled in with a sample household so you can see it working, and a blank one ready for your own bills.
Buy now- Instant download after checkout
- Works in Google Sheets and Excel
- Yours to keep and reuse every year