Bills Helper (demo)
PP
Penny Pincher penny.pincher@demo.bills.khoa.win
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New: the Deferred-Interest Rescue Plan

"No interest if paid in full" is a cliff, not a discount. Miss the date by a dollar and every cent of interest since the purchase is charged at once. Penny has three of these — one she can't currently clear.

Most budgeting apps sort debt by APR, which ranks a 0% promo last right up until it detonates.

New: connect Claude to this data

Add this demo as a connector in Claude and ask about the money in your own words — which bills are due, which 0% promo is about to detonate, what an extra $100 a month would do to the auto loan.

No API key, no paid plan, read-only. It takes about a minute.

Welcome back, Penny Pincher

Here's an overview of your bills and finances.

1 Account Projected to Have Insufficient Funds

Based on upcoming bills, some accounts may not have enough funds.

Travel Fund

Projected to go negative on Sep 7, 2026

Shortfall: $1,360.00

Lowest: -$1,360.00

View

Financial Overview

Manage accounts →

Checking

$5,362.40

Savings

$8,740.00

Total Assets

$36,102.40

5 accounts

Total Debt

$262,900.00

5 accounts

Net Worth

-$226,797.60

Available Credit

$42,100.00

Important Alerts

Action Required

1 Overdue Bill

$62.00
City Water District 5 days ago
Pay now →

3 Deferred-Interest Balances

$1,151.38

$1,151.38 in interest is charged retroactively unless these are cleared in time — and your forecast can't cover them all.

HVAC system (24-mo 0% financing)

Cannot clear in time

Summit Rewards Card · Expires Oct 11, 2026 · 45 days left

$658.84

at risk

You can't clear this in time. $658.84 is charged on Oct 11. Clearing it needs $4,500.00/mo; your forecast supports about $1,687.31/mo — short $2,812.69/mo.

Sofa (12-mo 0% financing)

On track

Summit Rewards Card · Expires Mar 10, 2027 · 195 days left

$122.62

at stake if missed

Set aside $100.00/mo and you clear it by Mar 10.

Laptop (18-mo 0% financing)

On track

Summit Rewards Card · Expires Sep 14, 2026 · 18 days left

$369.92

at stake if missed

Pay $900.00 before Sep 14 and you owe no interest.

See the plan →
✨ New: a month calendar of your bills and paydays — tap a day to see what's due and what's coming in, and use the arrows to look ahead.

August 2026

SUN
MON
TUE
WED
THU
FRI
SAT
1
3
4
5
6
8
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10
11
14
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19
20
21
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30

Tap a day to see what's due and coming in.

Overdue Partly paid Due today Auto-pay due Upcoming Paid · clearing Paid Skipped Payday
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AI assistant is disabled in the demo

In your own account, connect an AI provider key to ask questions about your finances in natural language.