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A list of due dates does not show whether you can afford the whole payment run. This planner connects supplier bills, available cash, incoming receipts, early-payment discounts and your minimum reserve.
Build a daily payment plan, lock commitments you have already made and compare confirmed-income and delayed-income scenarios. See where a discount helps and where the proposed payments would leave a cash gap.
Export a clear payment list and record what was actually paid. The tool plans payments; it does not move money or connect to your bank.
What you get
- Supplier bills and outstanding balances: credit notes, confirmed earlier payments, due dates, earliest dates and hard or soft deadlines — disputed bills are held back.
- Early-payment discounts and entered penalties: a rate or an exact payoff amount, used only after you confirm it; contractual daily penalties calculated day by day.
- Cash reserves and daily balances: opening balance, minimum reserve, bank payment days, confirmed and forecast receipts, other committed payments and transfers.
- Full and permitted partial payments: each bill paid by the end of the plan, partial payments only where the supplier allows them, with a minimum part.
- Fixed commitments and alternative scenarios: lock payments you have promised, then compare confirmed income, forecast income and delayed receipts side by side.
- Payment lists, cash reports and backups: printable A4/Letter reports, CSV exports, payments recorded with reversal, and a full backup file.
How it works
- Set up suppliers and cash. Add suppliers with their partial-payment and transfer-fee rules, and your account with its opening balance, minimum reserve and bank payment days.
- Add bills and receipts. Enter or import supplier bills with due dates, discounts and penalties, then the confirmed and forecast receipts and other payments already committed.
- Check the plan. The payment plan shows each payment with its reason, the daily balance against the reserve and any cash gap; lock commitments and compare scenarios.
- Approve and export. Approve the plan, print or export the payment list, and record each payment when you actually make it.
Limits
Results depend on the payment terms and cash movements entered. The tool does not execute bank transfers or determine legal payment priorities. It applies only the discounts and penalties you enter, plans one account and currency per plan for up to 180 days, and does not model times within a day. It is decision support, not legal, tax or accounting advice.
Questions
Does it use AI?
No. No AI guesses: every payment date and amount is calculated with fixed rules from the bills, terms and cash you enter, and shows its working.
Do I need a subscription?
No subscription is required for the one-time purchase of this product. Access through TidyCents PRO follows the current PRO terms.
What does PRO include?
The full online version of this tool while your PRO is active, including exporting your own reports and backups. Those exports do not use your downloadable-library allowance.
Is the offline program included in PRO?
No. The downloadable offline program, guide and import templates come with the one-time purchase.
Where is my data stored?
Working records are stored in your browser on your device (IndexedDB). Nothing you enter is sent to a server. Keep a backup, especially before changing browsers, clearing browser data or moving to another device.
Can I move my records to another device?
Yes. Export a full backup and restore it in the same product on the other device.
Can several people edit the same workspace at once?
This version is designed for one local workspace. It does not provide simultaneous shared editing.
What happens when PRO ends?
Your records stay on your device. Without an active PRO or a purchase the online version opens them read-only, and you can still export a backup and CSV files. Renewing PRO or buying the tool makes them editable again.
Which currencies does it support?
Any currency. Each plan uses one account and its currency; bills in other currencies are planned in their own account and are never added together. Transfers between accounts use the rate you enter.
What exactly does the tool not do?
It does not move money, connect to a bank, check payment details, decide legal payment priorities or apply statutory interest or tax rules. It applies only the terms and cash movements you enter.
Does it send money to my suppliers?
No. It plans payments and gives you a payment list. You make the transfers in your bank, then record each payment in the tool; planning or approving a plan never records a payment.
What happens when the cash reserve is not enough?
The plan says that no workable plan exists, shows how much money is missing and the first day it runs out, and shows a diagnostic plan clearly marked as not valid. You can then add confirmed cash, move a deadline you have agreed, allow partial payments a supplier accepts or change the reserve, and run the plan again.
When is a discount used?
Only after you confirm it applies, and only when the whole open amount is paid in one payment by the last discount day without breaking the reserve. The plan shows the saving, or why an available discount was not taken.
What does a proven plan mean?
Among plans that keep every rule, the search found the one with the least money paid out (payments, penalties and fees) and checked that no plan in the defined model pays out less. If the search stops early, the status says so and shows the proven lower bound and how much a plan could still improve at most.
Business license for use in your own business. No resale or redistribution. Opens in your browser right after payment, on phone and computer. Your figures stay on your device. No physical item.
Supplier Bills & Payment Run Planner
Decide which supplier bills to pay, when to pay them and whether the plan keeps your cash reserve intact.
Plan your next payment run against your real cash — buy once for $29.
- One-time purchase
- Full version of this tool on the site plus an offline version to download. One payment. The offline copy works without a subscription.
- Access with PRO
- Full version on the site while your PRO is active. Export of your results and backups is included. The offline program is bought separately.
Pay by card, Apple Pay or Google Pay
- Works in any country · your own currency
- Download link on the confirmation page and by email
- What you need: Any modern browser · phone and computer · offline HTML file · CSV & printable reports · 8 languages
- Refund within 14 days, for any purchase
- Formats: Interactive tool in your browser — phone and computer; PDF & CSV export
- Interactive tool · modern browser · phone and computer · downloadable offline version.
- Money in exact minor units; discounts and daily penalties rounded half up once each; every plan re-checked by an independent recalculation.
- Exact plan search in the browser, also offline, with a clear status: plan with the least money out proven, workable plan with its proven lower bound, or no workable plan.
- Your working records stay on your device. Export a backup to move them to another device.
- CSV/XLSX import of suppliers, bills, receipts and other payments with duplicate and error checks; CSV exports and printable A4/Letter reports.
- 8 languages: English, Español, Deutsch, Français, Português, Italiano, Nederlands, Русский.
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
