Stop Stressing About Bills.
Start Paying On Time.
Pay-On-Track keeps every bill organized in one place, sends you automatic email reminders 3 days before they're due, and logs your payments with visual progress — so late fees stay in the past.
Get Started Free Log InHow it works
Set up in minutes. Stay on top of every bill automatically.
Add your bills
Enter the bill name, type, amount, and due date. Optionally include your interest rate and minimum payment for the full picture.
Get reminded automatically
Pay-On-Track emails you 3 days before every active bill is due — zero setup, zero effort. Just check your inbox and pay on time.
Track every payment
Log payments as you make them. Your balance updates instantly and a progress bar shows exactly how close you are to paying it off.
Everything you need to stay ahead
Built around the things that actually cause people to miss payments.
We're just getting started
Features already in the works — built around how real people manage their money.
Custom Reminder Timing
Choose when you want to be alerted — 7 days, 3 days, or the day before a bill is due. Your schedule, your rules.
Spending Insights
A monthly breakdown showing exactly where your money goes by category — so you can see patterns and make smarter decisions.
Debt Payoff Projections
See exactly how long it'll take to pay off each bill at your current pace — and how much you save by paying more each month.
Calendar View
See every bill laid out on a monthly calendar by due date — a familiar view that makes it easy to plan your month at a glance.
SMS Text Alerts
Get reminder texts straight to your phone — on top of email — so a bill due date never slips through the cracks.
Avalanche & Snowball Planner
Compare the two most popular debt payoff strategies side by side — and find the fastest, cheapest path to becoming debt-free.
Ready to stop missing payments?
Create your free account and have your first bill set up in under 2 minutes.
Create Your Free Account