Bill Calendar Spreadsheet, Monthly Bill Tracker, Due Date Planner for Google Sheets & Excel

Bill calendar spreadsheet: see every recurring and annual bill by due date and mark them paid, in Google Sheets or Excel.

[DIGITAL DOWNLOAD] BILL CALENDAR STANDALONE — Recurring + Annual Bills (Google Sheets)

THIS IS A DIGITAL PRODUCT — NOTHING SHIPS.
Digital download: Excel `.xlsx` workbook + PDF setup guide. Upload the `.xlsx` to Google Drive → Open with Google Sheets → File → Make a copy. (No hosted Make-a-copy link.)

A year-at-a-glance bill calendar for homeowners who want due dates, autopay lens, and this-cycle Paid? tracking — without a full 12-month budget / debt / net-worth workbook. Homeowner categories (Housing, Utilities, HOA, Insurance, Property Tax, Vehicle, Maintenance, Exterior, Safety, Other).

WHO IT'S FOR
• Homeowners who forget annual / recurring bills until they hit
Households who want a standalone bill calendar (not a full budget OS)
• Anyone who needs Non-autopay obligation ≠ unpaid status kept honest

WHAT YOU GET
• Excel `.xlsx` workbook + PDF setup guide
• Tabs: Instructions · Dashboard · Bill_Calendar · Month_View
• Recurring + annual bills · due day · amount · category · Autopay · Paid?
• Month grid (Jan–Dec) + focus-month due total on Dashboard
• Clear lenses: Annual obligation · Non-autopay obligation (annual) · Unpaid Amt (Paid?=No)
• Working SUM/IF/COUNTIF/INDEX formulas
• EXAMPLE sample data clearly labeled — replace before real use

HOW TO ACCESS (GOOGLE SHEETS / EXCEL)
1. Purchase → digital download (PDF + ZIP with `.xlsx`)
2. Upload the `.xlsx` to Google Drive → Open with Google Sheets → File → Make a copy
3. Or open the `.xlsx` directly in Excel
4. Replace EXAMPLE bills, fill month columns, set Autopay + Paid?
5. Set Dashboard focus month and review due / unpaid / non-autopay totals

Works in Google Sheets on web; Excel desktop also works. Mobile Sheets app supported for quick updates.

CLARITY
Non-autopay obligation (annual) is **not** unpaid status. Unpaid Amt uses Paid?=No for this-cycle clarity. Not a bank feed.

LICENSE
Personal use for one household. Do not resell or redistribute the template.

DIGITAL DOWNLOAD NOTES
• Digital only — nothing ships
Free Google account required
• Not financial advice
• Digital download

Shop: HouseholdOS Studio.

Please note: the laptop and device images are digital mockups, and you receive a digital file only (no physical item ships).