Free tools for tight weeks
The same rules the BillTriage app uses, running in your browser. No sign-up. Nothing you type is sent or saved anywhere.
Which bill should I pay first?
Enter your bills and what you can spare after essentials. Get a ranked list — shutoffs and evictions first, late fees later — with a reason for every line and who to call about the rest.
Late fee cost calculator
What paying late really costs: fee, interest, reconnect charge, and the equivalent yearly rate. Compare two bills to see which is cheaper to delay.
Essentials-first budget
Protect groceries, medicine, transportation, and childcare first. See exactly what's spendable on bills before payday.
How these work
Each tool is a small page of plain JavaScript. There is no server behind it: your numbers never leave your device, there are no cookies, and this site loads nothing from third parties. The ranking rules are the same fixed, published rules the app uses — read them here.
Planning tools, not financial or legal advice. Your billers' and your state's actual rules control.