A payday routine, without an account
Annual Bills & Subscription Reserve Planner
Know what to set aside before a bill falls due. Plan around payday, track reserved cash and record each renewal — saved only in this browser.
1. Set your payday
Counts paydays from the review date up to, but excluding, the due date. Days 29–31 use month-end where needed. No weekend or holiday adjustment. Review date changes counting only, not saved balances or payment history. Each currency needs a separate book; currency cannot change while records exist.
2. Add or update a bill
Reserved cash is a balance, not a transfer history. Update it after you actually set money aside. Saving a plan does not move money or pay a bill.
3. Review upcoming bills
Record a completed payment
Payment history
Keep a backup
No account or cloud sync. Bills and payment history stay in this browser’s local storage, separate from cashflow and DividenNote. Clearing site data or using another browser/device will not carry your records over. Backups contain financial details: keep them private.
Export includes saved records only. Restore replaces this tool’s book after confirmation; it does not merge records or modify other tools. Export the current book first. A book supports up to 100 bills and 2,000 payments. If safe storage is unavailable, calculations remain usable but saving is disabled.
Why the due date matters
Review on 28 October 2026, paid on the 28th, insurance of 2,400 due 1 April 2027, already reserved 300: six paydays remain (October–March). The gap is 2,100, so reserve 350 each payday. A bill due 28 October has no payday counted, because same-day pay is excluded.
Read the summary correctly
The next-payday total adds the rounded allocations for bills that have at least one payday remaining. Bills with no payday remaining are shown as an immediate gap, separately. This is not a claim that your salary can cover everything. Review household income and other spending in the cashflow planner.
Renewal and leftover cash
Payment uses reserved cash first, then labels any extra cash needed. A recurring bill retains any unused reserve and advances one cycle, keeping its original day where possible. A January 31 monthly bill renews February 28 and then March 31. A one-off closes and releases any leftover reserve; that release is not an expense.
Keep the budget consistent
Moving money into a reserve is earmarking cash, not paying the supplier. This tool does not automatically post to monthly cashflow. If you budget using a monthly bill allowance, do not also count the same annual payment as a second expense without adjusting the allowance. Recorded payment history is not a bank reconciliation.
Worked payday and renewal walkthrough · Monthly cashflow planner · Annual expense budgeting guide
Questions worth working through
Use the result with confidence
Count paydays, not calendar labels
A RM2,400 bill with RM300 already reserved and six eligible paydays left has a RM2,100 gap: reserve RM350 each payday. A payday on the review date counts; one on the due date does not. Day 31 clamps to short-month end, without weekend or holiday adjustments.
A saved balance is not a bank transfer
Update the reserved balance after actually earmarking cash. Recording the full payment uses that reserve first and shows any extra cash. A recurring bill advances one cycle and carries unused reserves forward; a one-off closes. Saving never pays a supplier or cancels a subscription.
Keep a private, usable backup
This book is separate from cashflow and DividenNote, in one currency with no automatic conversion. Download JSON before clearing browser data. Restore previews the book before replacement. Safe saving requires browser storage and Web Locks; unsupported browsers can calculate and export readable records but cannot write.