Abstract: A system and method for automated optimization of budgeted fund allocation to pay bills receives financial data including billing and income data. The data is ordered according to dates and amounts and the processed to determine payments to be made at certain dates, in order to ensure that minimum payments are satisfied. Amounts over the minimum owed for certain bills are paid when possible, in order to minimize future debt load. Amounts owed are paid, when warranted, in two or more portions on different dates separated by an income event. Payments made and overall financial status is reported to a consumer computing system associated with a consumer.