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Farm bill due-date tracker

Farm bills don't come monthly. They cluster around planting and harvest, and one missed deadline can cost a prepay discount or push a whole balance to a higher rate. List them once and see what's coming, in order.

Your due dates

Count days from

Bills

Bill	Amount ($)	Repeats	Due date (first or next)
		One timeMonthlyQuarterlyEvery 6 monthsYearly		×
		One timeMonthlyQuarterlyEvery 6 monthsYearly		×
		One timeMonthlyQuarterlyEvery 6 monthsYearly		×
		One timeMonthlyQuarterlyEvery 6 monthsYearly		×
		One timeMonthlyQuarterlyEvery 6 monthsYearly		×
		One timeMonthlyQuarterlyEvery 6 monthsYearly		×
		One timeMonthlyQuarterlyEvery 6 monthsYearly		×

+ Add a bill

Recalculate

The example bills are made up. Clear them and enter your own. Nothing is saved or sent anywhere.

Why a due-date list beats a calendar

A calendar shows one month at a time, and farm money doesn't work that way. Put the February combine payment, the March cash rent and the spring input draws on one list, sorted by date and totaled for the next 30 days, and you can see the squeeze coming before it gets there.

It also helps when you talk to your lender. When the banker asks what's due before harvest, you can answer with a list instead of digging through a folder of statements.

Tracking several of these at once? The free farm bill due-date tracker keeps them in date order.

Hard deadlines vs. soft ones

Not every due date costs the same if you miss it. Mark each bill as one or the other:

• Hard: missing it costs real money or a relationship. That includes a lost prepay discount, a program rate that jumps on the whole balance, a lease default, or a lapsed insurance policy.
• Soft: a supply account with a small finance charge, or a bill the vendor has always let slide a couple of weeks.

When money is tight, pay hard deadlines first, in date order. Then pay whatever charges the highest interest rate. The full planner sets this order for you automatically.

Questions people ask

What should go on a farm due-date list?

Anything with a date that costs you if you miss it: input program payoffs, prepay deadlines, operating line interest, equipment loan payments, cash rent, crop insurance premiums, property tax, fuel and supply accounts, and credit cards.

Is my list saved?

Not on this page. Nothing you type is stored or sent anywhere, so it clears when you close the tab. For a list you can keep, download the free LITE spreadsheet. It does the same thing in Excel or Google Sheets.

What do the colors mean?

Red means the bill is past due or due within 14 days. Yellow means it's due within 30 days. Bills further out have no color.

How do repeating bills work?

Enter any one due date for the bill (last time's or next time's) and pick how often it repeats. The tracker rolls it forward to the next date that hasn't passed yet.

What does the paid planner add?

The full planner sets a payoff order (hard deadlines first, then the highest interest rate), checks your bills against low, expected and high crop revenue, shows cost per acre and break-even, and puts it all on a one-page summary.

Related tools

Crop input loan interest and payoff calculatorInterest from each draw date to harvest payoffFarm equipment loan payment calculatorTractor or combine payments: annual, semiannual or monthlyOperating line of credit interest calculatorDraws, paydowns and interest owed on any date

Not financial advice. These calculators give estimates from the numbers you enter. Your lender's terms, fees, day-count method and tax situation can change the result. Check with your lender or advisor before you act. Full disclaimer.