How to use Billsness

1. Create and verify your account

Go to Sign up, choose an email, username, and password, then submit.

Billsness emails a verification link. Open it from the same browser when you can — that finishes setup and, when your session is still active, signs you in automatically.

Your account starts with a three‑month free trial. No payment method is required to begin. Pricing details may come later; the trial is there so you can use everything while the product grows.

2. Set up income

Open Income from the app navigation. Create an income template for each regular paycheck (or other repeating income): name, expected amount, frequency, and the first effective date.

Frequencies cover common real-world schedules — weekly, bi-weekly, semi-monthly patterns, monthly, and longer cycles. That effective date is the anchor Billsness uses to project future pay dates.

Each income also defines how far its paycheck should cover expenses:

• Default coverage (extra coverage days = 0) — this paycheck is assigned to expenses from its pay date until the next paycheck’s pay date. Example: paid on 1 January, next pay on 15 January → it covers bills due through 14 January.
• Extra coverage days — stretch that paycheck a set number of days into the next pay period. Example: paid on 1 January, next pay on 15 January, with 5 extra days → it covers expenses through 20 January.

Use extra days when deposits arrive late or bills hit early, so “which paycheck covers this?” matches how your bank account actually behaves.

3. Set up expenses

Open Expenses and add templates for the bills you pay on a rhythm: rent, utilities, insurance, subscriptions, and so on. Each one needs an amount, frequency, and effective start date.

Optional fields help later: notes, an end date if the bill stops, and whether it auto-deducts from your bank. Categories keep the list readable as it grows.

You do not manually assign expenses to paychecks here. That happens automatically when you populate the calendar in the next step.

4. Populate the calendar

Templates alone do not fill the calendar. After income and expenses are set up, run Fill calendar (on the calendar page) to create the upcoming income occurrences and expense occurrences.

During that process Billsness also connects each bill to the paycheck that should cover it, using the coverage rules you set on each income template.

Re-run populate when you add or change templates, or when you want to extend further into the future. Existing days are left alone; only missing occurrences are added.

5. Use the calendar

The calendar is the home base once it is populated. Income and expenses show on their dates, already linked to the right paycheck where possible.

Click a day to open incoming and outgoing lists, mark bills paid, or add a one-off income or expense for that date. Move between months with the calendar controls.

Use the month totals and financial views to review income, what’s still to pay, what’s past due, and what’s left after bills are mapped to paychecks — especially at the start of a month or right after payday.