Bills & Due Dates
Bills help you track recurring payments and upcoming due dates. Set up your bills once and Finerdy reminds you when they're due, lets you record payments, and projects your fixed expenses.
What is a bill?
A bill is a payment obligation — either recurring (monthly rent, subscriptions) or a custom set of dates (installment plans, one-time payments).
Example
Bill: Netflix
Amount: 15.99 USD
Frequency: Monthly
Category: Entertainment
Tags: [streaming, subscriptions]
Occurrences:
May 1, 2025: Pending (due in 3 days)
Apr 1, 2025: Paid → Transaction #142
Mar 1, 2025: Paid → Transaction #128
Creating a bill
| Field | Description |
|---|---|
| Name | Bill identifier (e.g., "Netflix", "Rent") |
| Description | Optional details |
| Currency | From your existing accounts |
| Amount | Default amount for each occurrence |
| Category | Optional expense category (carried to transactions) |
| Tags | Default tags (carried to transactions, overridable per payment) |
| External ID | Optional reference (invoice number, service ID) |
| Frequency | How often it repeats |
Frequencies
Finerdy supports two types of bill frequencies:
Periodic bills
For recurring payments. You set a first due date (anchor date) and Finerdy generates the next occurrence automatically each time you pay.
| Frequency | Cycle |
|---|---|
| Weekly | Every 7 days |
| Biweekly | Every 14 days |
| Monthly | Same day each month |
| Bimonthly | Every 2 months |
| Quarterly | Every 3 months |
| Semiannual | Every 6 months |
| Yearly | Every 12 months |
Bill: Rent
Frequency: Monthly
Anchor date: May 1, 2025
→ Creates occurrence for May 1
→ When paid, creates occurrence for Jun 1
→ When paid, creates occurrence for Jul 1
→ ...
Custom bills
For payment plans or one-time payments. You manually define each due date and optionally set a different amount per occurrence.
Bill: TV Payment Plan
Amount: 500 USD (default)
Frequency: Custom
Occurrences:
May 1: 500 USD
Jun 1: 500 USD
Jul 1: 250 USD (final payment, different amount)
Occurrence statuses
Each bill occurrence has one of these statuses:
| Status | Description |
|---|---|
| Pending | Not yet paid, due date in the future |
| Overdue | Not yet paid, due date has passed (calculated automatically) |
| Paid | Payment recorded, linked to a transaction |
| Skipped | Intentionally skipped |
Overdue is automatic
Overdue is not a stored status — it's calculated on-the-fly. Any pending occurrence with a past due date is automatically shown as overdue.
Paying a bill
When you pay an occurrence, Finerdy asks for:
| Field | Description |
|---|---|
| Account | Which account to debit |
| Amount | Pre-filled from the occurrence (editable) |
| Date & time | When the payment happened |
| Description | Pre-filled with the bill name |
| Tags | Pre-filled from the bill's default tags (editable) |
This creates an expense transaction linked to the occurrence.
Cross-currency payments
You can pay a bill in one currency using an account in another currency. For example, paying an ARS bill with a USD account:
- Select a USD account
- The currency indicator switches to USD
- Enter the equivalent amount in USD
- A hint shows the original bill amount in ARS
The transaction is recorded in the account's currency.
Email reminders
Finerdy sends email reminders for occurrences due within the next 3 days to all workspace members. This runs automatically — no configuration needed. Each occurrence only receives one reminder, and missed reminders are caught up on the next run.
Archiving bills
When a bill is no longer relevant, you can archive it instead of deleting it. Archived bills are hidden from the default list but preserved for history.
- Archive a bill from its detail page
- Archived bills can be found under the Archived section
- Unarchive at any time to bring it back to the active list
- Archiving a bill stops automatic generation of new occurrences
Archive vs. delete
Deleting a bill removes it and all its occurrences permanently (linked transactions are preserved). Archiving keeps the full bill and payment history accessible.
Completed bills
A bill is shown with a Completed badge when all its occurrences have been paid or skipped and none are pending. This is especially useful for custom/installment bills with a fixed number of payments.
Bill: TV Payment Plan (Completed ✓)
Occurrences:
May 1: Paid → Transaction #201
Jun 1: Paid → Transaction #215
Jul 1: Paid → Transaction #230
Dashboard widget
The dashboard shows your upcoming bills widget with:
- Next 5 pending/overdue occurrences
- Days until due (color-coded: green > 7 days, yellow 3-7, red < 3)
- Quick-pay button to open the payment modal directly
Transaction link
Every paid occurrence is linked to its transaction:
- From the bill: Click "View transaction" on a paid occurrence to see the transaction details
- From the transaction: A banner shows which bill the transaction came from, with a link back
Tips
Use tags on bills: They carry to every payment transaction, making expense analysis easier.
External ID for tracking: Use it to link bills to invoice numbers or external service references.
Custom for installments: Use custom frequency when you have a fixed number of payments with known dates.
Check the dashboard: The upcoming bills widget gives you a quick overview of what's due soon.
Next steps
Learn how to organize your finances in different contexts with Workspaces.