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What this calculator does
Enter your bills and the calculator sorts them by hardcoded risk weights. Rent and medical top the list; subscriptions are at the bottom.
The math
Each bill type gets a risk weight from 0 to 10. The list is sorted descending by weight.
Worked example
Rent, credit card, utilities, and Netflix are sorted so you protect housing and credit first.
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
How are risk weights decided?
They are hardcoded based on typical consequences: eviction, credit damage, service shutoff, or minor inconvenience.
Should I really skip a bill?
Only as a last resort. This tool helps you minimize damage, not avoid responsibility.