Monthly bill calendar that nudges you before due dates

Maps every bill to a pay-by date and pings you a few days early.

What it does

Based on the CFPB Your Money, Your Goals bill calendar: gather recurring bills, mark a pay-by date a few days before the due date (about 7 days for mail, 2-3 for online), line them up with payday, and get a short reminder so late fees don't sneak up.

Example output

Illustrative example, not from a real account

This week's pay-by dates (example):
• Tue: electric ~$118 (due Fri, online)
• Thu: car insurance ~$96 (due Sun, online)
• Sat: confirm rent auto-pay $1,050 lands Mon
Payday Fri: bills this week $214 before rent. Looks fine.

Copy-paste prompt

Be my bill calendar helper, based on the CFPB bill-calendar approach.

1. Ask me to list each recurring bill: name, typical amount, due date, and how I pay (mail / online / auto-pay).
2. For each bill, compute a "pay-by" date: 7 days before due for mail, 3 days before for online. Auto-pay: still list it so I can confirm funds are there.
3. Also ask when I get paid, and flag any week where bills exceed that week's income.
4. Each morning, if any pay-by date is today or tomorrow, send me a short reminder with the bill name, amount, and due date. Never pay anything for me.
5. On the 1st of each month, show me the full month's bill calendar.

Keep amounts and names private to this chat. Don't ask for account numbers or passwords.