When you can't pay everything, what comes first, and what happens to the rest.
Open the Bill Triage tool →Every debt calculator sorts by interest rate. In a month you can't cover, that's backwards.
The 24% credit card is the expensive debt on a spreadsheet and the cheap one in a bad month: missing it costs a late fee, a mark on your credit, and a higher rate. Missing rent can cost you the home. Missing the electric bill can cost you heat, and a reconnection fee on top of what you already owed. Missing the car payment can cost you the way you get to work, and then the work.
So this orders your bills by what happens if each one goes unpaid, following the CFPB's own framing: protect your housing and your income, keep your insurance, meet court-ordered obligations. Then it applies the money you have down that list and tells you, plainly, what happens to everything it doesn't reach.
It never tells you to skip a bill. Every line shows the consequence and the help that exists for it, because nearly all of these have a hardship option and almost all of them are easier to get before the due date than after. Anything your state sets — how much notice before a shutoff, how long an eviction takes, when a car can be repossessed — is flagged as your state's rule rather than given as a number, because those vary enormously and a wrong number here would be worse than none.
This is information about published guidance applied to the bills you entered. It is not legal or financial advice, and it is not a substitute for talking to the people you owe.
Computed entirely on your device for U.S. taxes and benefits. Nothing is ever sent anywhere, and it is free forever. Educational information, not financial, tax, investment, or legal advice.