The Due today filter on the dashboard doesn't show everything you'll ever pay. It only shows what should leave your account now:
- Overdue payments — oldest first. Every day of delay can mean penalties, a reminder letter, or in the worse case the start of debt collection.
- Payments that must leave your account today to arrive on time. If your bank doesn't support instant payments, a transfer sent today reaches the recipient on the next business day — so on Friday we also offer payments due over the weekend or on Monday. Paying on the due date itself is already too late. In Settings → Payments you can pick your bank: if it supports instant payments, we only offer payments due today; if not (or if you don't set a bank), we assume the slower transfer.
Why overdue first, and not, say, the smallest amounts?
Debt advice services (the UK's StepChange, the US CFPB) agree on a simple rule: obligations are not ranked by size or interest rate, but by what you lose if you don't pay them. Rent and utilities come before a phone plan — eviction or having your electricity cut off hurts more than a reminder from your carrier.
Behavioural economics adds an interesting angle: a study of 6,000 clients of a debt settlement firm found that the strongest predictor of successfully getting out of debt isn't the amount repaid but the number of closed accounts. Fewer open payments = less stress = a better chance you'll see it through.
QR Payminder currently orders by due date. We're working on smarter prioritization by payment category (rent, utilities, insurance…) and an assistant for "I have X to spend, what should I pay first" — built exactly on these principles.
This text is an educational summary of public recommendations, not financial advice. If your debts are getting over your head, turn to free debt advice services (Člověk v tísni, Poradna při finanční tísni).