You should be able to see, in the bill pay interface, which bills are pending. That also includes bills for the next month that haven't been cut yet, and it totals them up for you, which I think is useful. It's definitely better to have your money in your account for a little bit longer, it gives you more flexibility. If you're calculating how much you need, you can look at the pending bills and pre-deduct yourself (bank can't pre-deduct *everything* you plan to spend, so it's better for you to do that yourself anyway).