AI-Payer is a free paycheck bill triage tool for people whose bills and everyday needs compete for the same paycheck. Enter available money, your next income date, groceries, gas, necessities, bills and minimum debt payments. The planner protects the living amount you enter, then organizes required payments and flags shortfalls. For example, $2,000 available minus $500 for living leaves $1,500 for $1,800 in bills: a $300 gap to review. No bank connection or account is required. Saved bills stay in the browser. AI-Payer does not pay bills automatically, guarantee outcomes or replace individualized financial advice.