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What this calculator does
You have limited cash. This calculator pays each bill up to a small keep-active threshold so you avoid immediate default or cancellation.
The math
Loop through bills. Pay = min(available cash, bill balance, $20 threshold). Subtract payment from available cash and continue.
Worked example
With $100, rent may get $20, electric $20, phone $20, and internet $20, leaving $20 unallocated.
Why this matters
When money is tight, the right arithmetic can protect your housing, food, and transportation. This tool gives you a fast triage number so you can make the least-damaging choice.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Will this stop late fees?
No. It only delays default. You still owe the full bill and likely late fees.
What is the $20 threshold?
A hardcoded placeholder. Some creditors require a higher minimum to avoid cancellation.