The ideal solution for you might be the monthly bill planner software. It is a simple-to-use tool that aids in keeping track of your bill payment due dates. With this software, you can pay your bills on the same day as the due date for free, and it will automatically track the dates and send you reminders.  To help you understand your money, it generates graphs and reports. Additionally, it allows you to choose a separate account for payment, and it does so with full security encryption.