Terms of use

Last updated November 15, 2026

By using Ahead of Bills you agree to these terms. If you do not agree, please do not use it.

What this is

Ahead of Bills is a paid tool that helps you organize and understand your own money numbers. It is for information and education only. It is not financial, investment, tax, accounting or legal advice, and we are not licensed advisors. Speak to a qualified professional before making decisions about debt, taxes or investing.

Estimates, not promises

Every result, graph and date is an estimate calculated from the numbers you enter and simple assumptions (such as a steady growth rate and a withdrawal rate). Real life changes. Markets, income, taxes and prices vary and your actual results will differ. Nothing shown is a guarantee or a prediction of future results.

Price, access and refunds

Full access costs a one-time payment of $99 Canadian dollars (CAD) unless a different price is shown at checkout. There is no subscription. After payment you receive an access code by email. Your access is for your own personal use. You may not share your code, resell access or publish the tracker.

14-day refund. If you are not happy, email hello@aheadofbills.com within 14 days of your purchase and we will refund the full amount. After a refund your access code stops working. Payments are processed by our payment provider shown at checkout, and we do not see or store your card details.

A free demo with example numbers is available so you can see what you are buying. We may change the price for future buyers at any time. Your price does not change after you buy.

Your data and backups

Your numbers are stored on your own device. We cannot see or recover them. You are responsible for keeping a backup using the My data tab. We are not responsible for data lost because browser data was cleared, a device was lost or the browser blocked storage.

Using it fairly

Use Ahead of Bills lawfully and for yourself. Do not try to break, copy for resale, overload or interfere with the site. We may change, pause or end the service at any time.

No warranty and limits

The tool is provided "as is" without warranties of any kind. To the fullest extent allowed by law, Ahead of Bills and its operator are not liable for any loss or damage arising from using the tool or relying on its results. Nothing here limits rights you have under law that cannot be limited.

Email tips

If you subscribe, you agree to receive tips by email and can unsubscribe at any time using the unsubscribe page.

Governing law

These terms are governed by the laws of Alberta and the federal laws of Canada that apply there.

Contact

Ahead of Bills, PO Box 416, Station Main, Edmonton, AB T5J 2J6, Canada
hello@aheadofbills.com