For Teachers

How to Pay Bills Worksheets

Check out these awesome worksheets to help you teach your students how to pay bills.


Paying bills is a fact of life. This fundamental skill is essential to good money management, and kids of all ages can benefit from learning the process. Responsible bill-paying reflects well on people’s financial responsibility, credit, and money habits. 

You can find excellent worksheets today to support your learners as they see how to pay bills. Let’s see some of the best ones for students of all ages.

Worksheets: K – 5th Grade

Many elementary students learn the characteristics and habits of consistent bill paying, like responsibility and punctuality. They see that developing good habits is the foundation of money management. Here are some worksheets to help your younger students prepare for more intensive, hands-on practice.

  • Rights and Responsibilities: This worksheet requires students to cut and sort various activities into categories. They see how life brings certain responsibilities, which you can connect to money management and paying bills. (best for K-2)
  • Problem-Solving with Responsibility: In this worksheet activity, kids solve various challenges, learning that routines and logic can help them succeed. You can explain that paying bills on time is a simple way to stay on top of their finances. (1st – 5th)
  • Decision Making: On this worksheet, your little learners break down the steps in intelligent decision-making and reflect on their choices. You can connect this general skill to money management, especially paying bills. (3rd – 5th)
  • Bank Account Ledger: Students record bills, withdrawals, and deposits in this worksheet. They see the importance of monitoring and recording bill payments consistently. (3rd – 5th)
  • Paying Bills/Bill Comprehension: This worksheet walks kids through identifying components of bills. Students learn how to see what they owe, due dates, and to whom to write checks in this activity. (1st– 5th)
  • Paying Bills: This worksheet shows kids different ways to pay bills. They also fill in a Venn diagram to compare bill-paying methods. (1st – 5th)
  • Bill Paying Worksheet: This sheet has multiple slots for kids to input bills they owe and amounts. You can provide due dates and companies they need to pay, helping them organize their plans. (1st – 5th)
  • How to Read a Bill: This worksheet (scroll down to the Intermediate section to access) shows kids the parts of a bill and how to write a check to pay the bill. (K – 5th
  • Paying Bills: This worksheet includes two components: reading and paying bills. Students learn the basics of bill payment, giving them a valuable life skill. (2nd – 5th)
  • Money Responsibility: Students learn how to be responsible with their money in this worksheet. They see how to weigh the consequences of money decisions and prioritize responsibilities like paying bills. (K – 5th)

Worksheets: 6th – 8th Grade

In middle school, students prepare for adult responsibilities in detail, including paying bills. They learn about the benefits of auto-pay, how to include bills in budgets, and various ways to pay bills. Here are some worksheets to strengthen students’ understanding of how to pay bills.

  • Decision Making: This worksheet teaches kids the steps to successful money decisions. It shows that procrastination in paying bills can lead to negative financial outcomes.
  • The Art of Budgeting: This extensive worksheet shows middle schoolers how to set up personal budgets, including sections on expenses and bill payments. They learn to calculate income vs. bills to balance budgets and ensure they have enough money to live.
  • Credit Card Bills: Students look into credit card bills in this worksheet. They analyze the various components, like APR, due dates, grace periods, and other items on the bill that can impact their finances.
  • Monthly Bill Paying Worksheet: This worksheet starts students off with given amounts and due dates. To practice this crucial skill, they then fill in the remaining lines with bills they owe, amounts due, and due dates.
  • Can You Make It As An Uber Driver?: In this worksheet, students see how much they can make in a specific job and if they can afford to pay the bills. This eye-opening activity shows how bills add up quickly and what incomes they may need.
  • Paying Utility Bills: This practical worksheet allows your students to see an imitation utility bill up close. They learn to decipher what they’re paying for, how much they owe, and when to pay it. (7th – 8th)
  • Navigate Your Online Bank Account: This activity and corresponding worksheet show students how to use banking services, including setting up automatic bill pay. They see how to budget for expenses like bills while avoiding overdraft fees.
  • Calculating Energy Costs: This worksheet shows students how they can save on specific bills. They compare the costs of energy-efficient appliances and bulbs with standard ones, seeing how they can lower their bills with planning and strategy.
  • Budgeting For Needs and Wants: This worksheet has kids classifying a sample budget into needs and wants, showing them the importance of covering needs – like bills – first. They have to reflect on the person’s choices and decide what they would include on their lists of wants and needs.
  • 50-30-20 Plan: In this worksheet, middle school students see how to create a budget with specific percentages, so they consistently pay bills and save. They see that 50% of their income goes to needs, 30% to wants, and 20% for saving.

Worksheets: 9th – 12th Grade

Your high school students are knocking on the door to adulthood and need to know how to pay the bills. These worksheets give them the confidence and experience to know what to do when they leave high school.

  • Categorizing Expenses: Students learn how to classify fixed and variable expenses, including these items in their budgets on this worksheet. They go through a chart brainstorming various costs, estimate the monthly bill, and decide what type of expense it is. 
  • Paying Bills: This PowerPoint comes with a worksheet for your high schoolers. They see how to study a bill and write a check to pay off the balance. 
  • Why It Pays to Be Financially Responsible: This worksheet asks students to reflect on their spending habits and set goals to ensure they pay their monthly bills. They extend their learning by researching specific bill-paying scenarios, like shopping for a new cell phone plan. 
  • Credit Crossroads: Students take a closer look at using credit as a financial tool in this worksheet. They see how to pay back credit card bills in full and use credit to their advantage in larger purchases.
  • Savvy Spending Decisions: In this worksheet, students look at various case scenarios and make decisions to help them manage their finances. They prioritize wants and needs and ensure they set aside enough to pay bills every time.
  • Budget Busters: Who’s Breaking the Bank? This engaging worksheet shows how to budget for expenses, including bills, regardless of your income. It teaches budgeting flexibility, data analysis, and factoring in costs of all sizes. 
  • Living On Your Own: This worksheet provides students with an excellent chance to imagine the expenses and costs of living alone. They need to research incomes of certain careers, separate between fixed and variable expenses, and break down the details of living independently.
  • The Art of Budgeting: Students see how important planning their money management is in this worksheet. They learn how to set and prioritize goals and analyze their spending habits.
  • Cash Flow: These worksheets from the Atlanta Fed (see Handout 3B) require students to choose from a selection of scenario cards and complete how each item affects their monthly cash flow. They see that fixed and variable expenses impact their finances and determine their net surplus or deficit.
  • Cost of Living: In this worksheet, students research the cost of living in various parts of the country. They see that categories are the same everywhere – housing, food, utilities, transportation, and healthcare – but they need to create budgets that fit their incomes and allow them to pay their bills.

Head over to our money management center for teachers to get more lesson plans and worksheets for your curriculum!

About the Author

Peter Brown

Peter Brown is a National Board Certified teacher with over two decades of experience in the classroom. He loves working with students of all ages in many subjects, but particularly in practical areas like money education, to help kids achieve their goals. When he is not teaching or writing about financial literacy, you can find him surfing, hiking, skiing, or traveling to new places.

Last updated on: October 26, 2022