Bills Forecast’s levels default to 33% per level. This is based on your total bills per month. There are 3 levels available – low, medium and high. The levels help each user budget their month to month bills. For example, if your lowest month is January, this would be the best month to go on a holiday or make large purchases. Tip: Breaking down or moving your bills to divide them evenly over the year can help you control your finances.