All guidesUser guide

Bills, income & the calendar

The Bills / Income hub is where Sumwright surfaces the recurring money in your life — income coming in, bills going out, and subscriptions — with a running projection and a month-at-a-glance calendar.

Reading the hub

Sumwright groups the recurring streams it detects into three sections:

  • 🟢 Income — deposits it expects, and when.
  • 🟡 Upcoming Bills — recurring charges with their due dates and status.
  • 🔵 Subscriptions — the renewals it found, including ones that hide in your statement.

A timescale control (1M · 3M · 6M · 1Y) scales the totals and shows your projected net over that horizon.

iPhone & Android
Open the Bills / Income tab in the bottom navigation.
Mac & Windows
Choose Bills / Income in the sidebar. A Run Liquidity Gate button re-checks your plan on demand.

List vs. Calendar

Use the ☰ List / ▦ Calendar toggle at the top of the hub to switch views. The toggle is available on both the phone and desktop apps.

  • List — every stream with its amount, cadence, and due date. Tap a row to re-tag it or (for bills and subscriptions) to authorize it.
  • Calendar — a month grid with income in green and bills/subscriptions in amber and blue. Today is highlighted; tap any day to see exactly what lands on it, and use the arrows to move between months. A paid item shows a check.
Empty account? The calendar is always reachable — even before Sumwright has detected any streams, you can switch to Calendar and see the month grid. Link a bank with a few months of history and your income, bills, and subscriptions fill in.

Authorizing a bill (and the Liquidity Gate)

Sumwright never moves money. “Authorize” means you tell Sumwright a payment is planned so it can run the Liquidity Gate and keep it on your calendar — you still make the payment with your bank.

1

Tap Authorize on a bill or subscription

On a List row, use the green Authorize button. Confirm or edit the due date.

2

The Liquidity Gate checks your cushion

Sumwright makes sure the payment fits inside your safe surplus — your cash, minus your safety cushion, minus other upcoming bills. If it fits, it’s staged on your plan; if it would drop you below your cushion, it’s held and flagged so nothing sneaks you into an overdraft.

3

Sumwright confirms it from your transactions

After you pay, Sumwright watches your linked accounts and marks the bill confirmed only when it sees the matching payment actually clear — not before. You’ll get a notification when it does.

Held payment? A held payment isn’t a failure — it’s Sumwright protecting your cushion. Review it, free up room or adjust the amount, and re-check.

Notifications

Turn on notifications so Sumwright can remind you as bills come due and tell you when it has confirmed a planned payment from your transactions.

How bills are predicted

Forecasts come from your real payment history — the merchants you actually pay, on the cadence you actually pay them. They’re estimates, clearly labeled as estimates; always check your official statements. Read more in the billing-calendar explainer.

Didn’t find what you needed?

Email support@sumwright.com