Know What's Due Before You Spend
Enter each recurring bill once. OTR automatically sorts every bill into three pay windows — Last Payday, This Payday, and Next Payday — so you always know exactly what needs to come out of each check before you touch it.
Monthly Bills Overview
| Item | What It Shows |
|---|---|
| Personal Total | Total of all personal recurring bills per month |
| Business Total | Total of all business recurring bills per month |
| Monthly Total | Combined total — all bills |
| Suggested Salary | OTR's suggested weekly salary based on your bills total. Use this or set your own in the Forecaster. |
| Pay Window | Toggle Last Payday / This Payday / Next Payday to see what's due each week |
| Personal Due / Business Due | Every bill due this window — description, amount, due date, linked account, and Paid checkbox |
Marking a Bill Paid
Check the Paid box next to a bill. OTR opens a New Transaction From Bill modal — already filled with the description and amount. Confirm the date, select a category, and tap Enter to log it to the linked bank account automatically.
Marking a bill paid and confirming the modal logs it directly to your bank account in Banking. You don't need to enter it again.
The New Transaction From Bill modal also includes an Out of Pocket Expense checkbox. If the bill payment is an out-of-pocket expense, check that box before tapping Enter. OTR will automatically open the Out of Pocket Expense entry form with the date, description, and amount already filled in. Add a photo of the receipt and tap Enter — and it's logged in Out of Pocket Expenses at the same time. One action, two records.
Managing Your Bill List
Tap List of Bills at the bottom of the screen to see all recurring bills. Tap New Bill to add one.
Setting up Bills for the first time? Review your last few settlements and bank statements. List every charge that comes out regularly — insurance, truck payment, phone, subscriptions — and enter each one with the day of the month it's typically due and the account it comes from.