diff --git a/app/Generator/Chart/Bill/BillChartGenerator.php b/app/Generator/Chart/Bill/BillChartGenerator.php
index c3583e0f94..bc20abb65d 100644
--- a/app/Generator/Chart/Bill/BillChartGenerator.php
+++ b/app/Generator/Chart/Bill/BillChartGenerator.php
@@ -14,12 +14,12 @@ interface BillChartGenerator
 {
 
     /**
-     * @param Collection $paid
-     * @param Collection $unpaid
+     * @param string $paid
+     * @param string $unpaid
      *
      * @return array
      */
-    public function frontpage(Collection $paid, Collection $unpaid);
+    public function frontpage($paid, $unpaid);
 
     /**
      * @param Bill       $bill
diff --git a/app/Generator/Chart/Bill/ChartJsBillChartGenerator.php b/app/Generator/Chart/Bill/ChartJsBillChartGenerator.php
index 9a319be137..998eea8bb9 100644
--- a/app/Generator/Chart/Bill/ChartJsBillChartGenerator.php
+++ b/app/Generator/Chart/Bill/ChartJsBillChartGenerator.php
@@ -2,11 +2,8 @@
 
 namespace FireflyIII\Generator\Chart\Bill;
 
-use Config;
 use FireflyIII\Models\Bill;
-use FireflyIII\Models\TransactionJournal;
 use Illuminate\Support\Collection;
-use Preferences;
 
 /**
  * Class ChartJsBillChartGenerator
@@ -17,42 +14,23 @@ class ChartJsBillChartGenerator implements BillChartGenerator
 {
 
     /**
-     * @param Collection $paid
-     * @param Collection $unpaid
+     * @param string $paid
+     * @param string $unpaid
      *
      * @return array
      */
-    public function frontpage(Collection $paid, Collection $unpaid)
+    public function frontpage($paid, $unpaid)
     {
-        $paidDescriptions   = [];
-        $paidAmount         = 0;
-        $unpaidDescriptions = [];
-        $unpaidAmount       = 0;
         bcscale(2);
-
-        /** @var TransactionJournal $entry */
-        foreach ($paid as $entry) { // loop paid and create single entry:
-            $paidDescriptions[] = $entry->description;
-            $paidAmount         = bcadd($paidAmount, $entry->amount_positive);
-        }
-        /** @var Bill $entry */
-        foreach ($unpaid as $entry) { // loop unpaid:
-            $description          = $entry[0]->name . ' (' . $entry[1]->format('jS M Y') . ')';
-            $amount               = bcdiv(bcadd($entry[0]->amount_max, $entry[0]->amount_min), 2);
-            $unpaidDescriptions[] = $description;
-            $unpaidAmount         = bcadd($unpaidAmount, $amount);
-            unset($amount, $description);
-        }
-
         $data = [
             [
-                'value'     => $unpaidAmount,
+                'value'     => $unpaid,
                 'color'     => 'rgba(53, 124, 165,0.7)',
                 'highlight' => 'rgba(53, 124, 165,0.9)',
                 'label'     => trans('firefly.unpaid'),
             ],
             [
-                'value'     => $paidAmount,
+                'value'     => $paid * -1, // paid is negative, must be positive.
                 'color'     => 'rgba(0, 141, 76, 0.7)',
                 'highlight' => 'rgba(0, 141, 76, 0.9)',
                 'label'     => trans('firefly.paid'),
@@ -71,7 +49,7 @@ class ChartJsBillChartGenerator implements BillChartGenerator
     public function single(Bill $bill, Collection $entries)
     {
         // language:
-        $format   = trans('config.month');
+        $format = trans('config.month');
 
         $data = [
             'count'    => 3,
diff --git a/app/Http/Controllers/Chart/BillController.php b/app/Http/Controllers/Chart/BillController.php
index d15b168d1b..5f05b25c5c 100644
--- a/app/Http/Controllers/Chart/BillController.php
+++ b/app/Http/Controllers/Chart/BillController.php
@@ -33,7 +33,7 @@ class BillController extends Controller
     }
 
     /**
-     * Shows all bills and whether or not theyve been paid this month (pie chart).
+     * Shows all bills and whether or not they've been paid this month (pie chart).
      *
      * @param BillRepositoryInterface $repository
      *
@@ -41,28 +41,24 @@ class BillController extends Controller
      */
     public function frontpage(BillRepositoryInterface $repository)
     {
-        $start = Session::get('start', Carbon::now()->startOfMonth());
-        $end   = Session::get('end', Carbon::now()->endOfMonth());
-        $cache = new CacheProperties(); // chart properties for cache:
-        $cache->addProperty($start);
-        $cache->addProperty($end);
-        $cache->addProperty('bills');
-        $cache->addProperty('frontpage');
-        if ($cache->has()) {
-            return Response::json($cache->get()); // @codeCoverageIgnore
+        $start         = Session::get('start', Carbon::now()->startOfMonth());
+        $end           = Session::get('end', Carbon::now()->endOfMonth());
+        $paid          = $repository->getBillsPaidInRange($start, $end); // will be a negative amount.
+        $unpaid        = $repository->getBillsUnpaidInRange($start, $end); // will be a positive amount.
+        $creditCardDue = $repository->getCreditCardBill($start, $end);
+
+        if ($creditCardDue < 0) {
+            // expenses are negative (bill not yet paid),
+            $creditCardDue = bcmul($creditCardDue, '-1');
+            $unpaid        = bcadd($unpaid, $creditCardDue);
+        } else {
+            // if more than zero, the bill has been paid: (transfer = positive).
+            // amount must be negative to be added to $paid:
+            $paid = bcadd($paid, $creditCardDue);
         }
 
-        $set = $repository->getBillsForChart($start, $end);
-
-        // optionally expand this set with credit card data
-        $set    = $repository->getCreditCardInfoForChart($set, $start, $end);
-        $paid   = $set->get('paid');
-        $unpaid = $set->get('unpaid');
-
-
         // build chart:
         $data = $this->generator->frontpage($paid, $unpaid);
-        $cache->store($data);
 
         return Response::json($data);
     }
diff --git a/app/Http/Controllers/JsonController.php b/app/Http/Controllers/JsonController.php
index 2b1b24b20b..6a1350487b 100644
--- a/app/Http/Controllers/JsonController.php
+++ b/app/Http/Controllers/JsonController.php
@@ -3,15 +3,12 @@
 use Amount;
 use Carbon\Carbon;
 use FireflyIII\Helpers\Report\ReportQueryInterface;
-use FireflyIII\Models\Account;
-use FireflyIII\Models\Bill;
 use FireflyIII\Repositories\Account\AccountRepositoryInterface;
 use FireflyIII\Repositories\Bill\BillRepositoryInterface;
 use FireflyIII\Repositories\Category\CategoryRepositoryInterface;
 use FireflyIII\Repositories\Journal\JournalRepositoryInterface;
 use FireflyIII\Repositories\Tag\TagRepositoryInterface;
 use FireflyIII\Support\CacheProperties;
-use Illuminate\Support\Collection;
 use Preferences;
 use Response;
 use Session;
@@ -75,29 +72,18 @@ class JsonController extends Controller
         $end   = Session::get('end', Carbon::now()->endOfMonth());
         bcscale(2);
 
-        // works for json too!
-        $cache = new CacheProperties;
-        $cache->addProperty($start);
-        $cache->addProperty($end);
-        $cache->addProperty('box-bills-paid');
-        if ($cache->has()) {
-            return Response::json($cache->get()); // @codeCoverageIgnore
+        /*
+         * Since both this method and the chart use the exact same data, we can suffice
+         * with calling the one method in the bill repository that will get this amount.
+         */
+        $amount        = $repository->getBillsPaidInRange($start, $end); // will be a negative amount.
+        $creditCardDue = $repository->getCreditCardBill($start, $end);
+        if ($creditCardDue >= 0) {
+            $amount = bcadd($amount, $creditCardDue);
         }
-        // get amount from bills
-        $amount = $repository->billsPaidInRange($start, $end)->sum('paid');
+        $amount = $amount * -1;
 
-        // add credit card bill.
-        $creditCards = $accountRepository->getCreditCards($end); // Find credit card accounts and possibly unpaid credit card bills.
-        /** @var Account $creditCard */
-        foreach ($creditCards as $creditCard) {
-            if ($creditCard->balance == 0) {
-                // find a transfer TO the credit card which should account for
-                // anything paid. If not, the CC is not yet used.
-                $amount = bcadd($amount, $accountRepository->getTransfersInRange($creditCard, $start, $end)->sum('amount'));
-            }
-        }
         $data = ['box' => 'bills-paid', 'amount' => Amount::format($amount, false), 'amount_raw' => $amount];
-        $cache->store($data);
 
         return Response::json($data);
     }
@@ -108,59 +94,21 @@ class JsonController extends Controller
      *
      * @return \Symfony\Component\HttpFoundation\Response
      */
-    public function boxBillsUnpaid(BillRepositoryInterface $repository, AccountRepositoryInterface $accountRepository)
+    public function boxBillsUnpaid(BillRepositoryInterface $repository)
     {
-        $amount = 0;
-        $start  = Session::get('start', Carbon::now()->startOfMonth());
-        $end    = Session::get('end', Carbon::now()->endOfMonth());
         bcscale(2);
+        $start         = Session::get('start', Carbon::now()->startOfMonth());
+        $end           = Session::get('end', Carbon::now()->endOfMonth());
+        $amount        = $repository->getBillsUnpaidInRange($start, $end); // will be a positive amount.
+        $creditCardDue = $repository->getCreditCardBill($start, $end);
 
-        // works for json too!
-        $cache = new CacheProperties;
-        $cache->addProperty($start);
-        $cache->addProperty($end);
-        $cache->addProperty('box-bills-unpaid');
-        if ($cache->has()) {
-            return Response::json($cache->get()); // @codeCoverageIgnore
-        }
-
-        $bills  = $repository->getActiveBills();
-        $unpaid = new Collection; // bills
-
-        /** @var Bill $bill */
-        foreach ($bills as $bill) {
-            $ranges = $repository->getRanges($bill, $start, $end);
-
-            foreach ($ranges as $range) {
-                $journals = $repository->getJournalsInRange($bill, $range['start'], $range['end']);
-                if ($journals->count() == 0) {
-                    $unpaid->push([$bill, $range['start']]);
-                }
-            }
-        }
-        unset($bill, $bills, $range, $ranges);
-
-        $creditCards = $accountRepository->getCreditCards($end);
-
-        /** @var Account $creditCard */
-        foreach ($creditCards as $creditCard) {
-            $date = new Carbon($creditCard->getMeta('ccMonthlyPaymentDate'));
-            if ($creditCard->balance < 0) {
-                // unpaid! create a fake bill that matches the amount.
-                $description = $creditCard->name;
-                $fakeAmount  = $creditCard->balance * -1;
-                $fakeBill    = $repository->createFakeBill($description, $date, $fakeAmount);
-                $unpaid->push([$fakeBill, $date]);
-            }
-        }
-        /** @var Bill $entry */
-        foreach ($unpaid as $entry) {
-            $current = bcdiv(bcadd($entry[0]->amount_max, $entry[0]->amount_min), 2);
-            $amount  = bcadd($amount, $current);
+        if ($creditCardDue < 0) {
+            // expenses are negative (bill not yet paid),
+            $creditCardDue = bcmul($creditCardDue, '-1');
+            $amount        = bcadd($amount, $creditCardDue);
         }
 
         $data = ['box' => 'bills-unpaid', 'amount' => Amount::format($amount, false), 'amount_raw' => $amount];
-        $cache->store($data);
 
         return Response::json($data);
     }
diff --git a/app/Models/Bill.php b/app/Models/Bill.php
index db88700e82..7f93843fa6 100644
--- a/app/Models/Bill.php
+++ b/app/Models/Bill.php
@@ -41,6 +41,7 @@ use Illuminate\Database\Eloquent\Model;
  * @method static \Illuminate\Database\Query\Builder|\FireflyIII\Models\Bill whereMatchEncrypted($value)
  * @property \Carbon\Carbon                                                                        $nextExpectedMatch
  * @property \Carbon\Carbon                                                                        $lastFoundMatch
+ * @property-read string                                                                           $expectedAmount
  */
 class Bill extends Model
 {
diff --git a/app/Repositories/Account/AccountRepository.php b/app/Repositories/Account/AccountRepository.php
index 8d6c54af42..345800e4e4 100644
--- a/app/Repositories/Account/AccountRepository.php
+++ b/app/Repositories/Account/AccountRepository.php
@@ -353,36 +353,6 @@ class AccountRepository implements AccountRepositoryInterface
         return $accounts;
     }
 
-    /**
-     * Get all transfers TO this account in this range.
-     *
-     * @param Account $account
-     * @param Carbon  $start
-     * @param Carbon  $end
-     *
-     * @return Collection
-     */
-    public function getTransfersInRange(Account $account, Carbon $start, Carbon $end)
-    {
-        $set = TransactionJournal::whereIn(
-            'id', function (Builder $q) use ($account, $start, $end) {
-            $q->select('transaction_journals.id')
-              ->from('transactions')
-              ->leftJoin('transaction_journals', 'transaction_journals.id', '=', 'transactions.transaction_journal_id')
-              ->leftJoin('transaction_types', 'transaction_types.id', '=', 'transaction_journals.transaction_type_id')
-              ->where('transactions.account_id', $account->id)
-              ->where('transactions.amount', '>', 0)// this makes the filter unnecessary.
-              ->where('transaction_journals.user_id', Auth::user()->id)
-              ->where('transaction_journals.date', '>=', $start->format('Y-m-d'))
-              ->where('transaction_journals.date', '<=', $end->format('Y-m-d'))
-              ->where('transaction_types.type', TransactionType::TRANSFER);
-
-        }
-        )->get();
-
-        return $set;
-    }
-
     /**
      * @param Account $account
      * @param Carbon  $date
diff --git a/app/Repositories/Account/AccountRepositoryInterface.php b/app/Repositories/Account/AccountRepositoryInterface.php
index bb7b5e0c8f..d03cf070e6 100644
--- a/app/Repositories/Account/AccountRepositoryInterface.php
+++ b/app/Repositories/Account/AccountRepositoryInterface.php
@@ -76,18 +76,6 @@ interface AccountRepositoryInterface
      */
     public function getPiggyBankAccounts();
 
-
-    /**
-     * Get all transfers TO this account in this range.
-     *
-     * @param Account $account
-     * @param Carbon  $start
-     * @param Carbon  $end
-     *
-     * @return Collection
-     */
-    public function getTransfersInRange(Account $account, Carbon $start, Carbon $end);
-
     /**
      * @param Preference $preference
      *
diff --git a/app/Repositories/Bill/BillRepository.php b/app/Repositories/Bill/BillRepository.php
index ded8eba0ec..6935b5d3bf 100644
--- a/app/Repositories/Bill/BillRepository.php
+++ b/app/Repositories/Bill/BillRepository.php
@@ -9,11 +9,14 @@ use FireflyIII\Models\Account;
 use FireflyIII\Models\Bill;
 use FireflyIII\Models\Transaction;
 use FireflyIII\Models\TransactionJournal;
+use FireflyIII\Models\TransactionType;
+use FireflyIII\Repositories\Account\AccountRepositoryInterface;
+use FireflyIII\Support\CacheProperties;
+use Illuminate\Database\Query\Builder;
 use Illuminate\Database\Query\JoinClause;
 use Illuminate\Support\Collection;
 use Log;
 use Navigation;
-use Steam;
 
 /**
  * Class BillRepository
@@ -22,53 +25,6 @@ use Steam;
  */
 class BillRepository implements BillRepositoryInterface
 {
-    /**
-     * @deprecated
-     * Returns the sum of all payments connected to this bill between the dates.
-     *
-     * @param Bill   $bill
-     * @param Carbon $start
-     * @param Carbon $end
-     *
-     * @return integer
-     */
-    public function billPaymentsInRange(Bill $bill, Carbon $start, Carbon $end)
-    {
-        $amount   = 0;
-        $journals = $bill->transactionjournals()->before($end)->after($start)->get();
-        /** @var TransactionJournal $journal */
-        foreach ($journals as $journal) {
-            $amount += $journal->amount;
-        }
-
-        return $amount;
-    }
-
-
-    /**
-     * Create a fake bill to help the chart controller.
-     *
-     * @param string $description
-     * @param Carbon $date
-     * @param float  $amount
-     *
-     * @return Bill
-     */
-    public function createFakeBill($description, Carbon $date, $amount)
-    {
-        $bill              = new Bill;
-        $bill->name        = $description;
-        $bill->match       = $description;
-        $bill->amount_min  = $amount;
-        $bill->amount_max  = $amount;
-        $bill->date        = $date;
-        $bill->repeat_freq = 'monthly';
-        $bill->skip        = 0;
-        $bill->automatch   = false;
-        $bill->active      = false;
-
-        return $bill;
-    }
 
     /**
      * @param Bill $bill
@@ -80,16 +36,6 @@ class BillRepository implements BillRepositoryInterface
         return $bill->delete();
     }
 
-    /**
-     * @return Collection
-     */
-    public function getActiveBills()
-    {
-        /** @var Collection $set */
-        $set = Auth::user()->bills()->where('active', 1)->get()->sortBy('name');
-
-        return $set;
-    }
 
     /**
      * @return Collection
@@ -168,6 +114,8 @@ class BillRepository implements BillRepositoryInterface
     /**
      * Get all journals that were recorded on this bill between these dates.
      *
+     * @deprecated
+     *
      * @param Bill   $bill
      * @param Carbon $start
      * @param Carbon $end
@@ -448,109 +396,166 @@ class BillRepository implements BillRepositoryInterface
     }
 
     /**
-     * Gets a collection of paid bills and a collection of unpaid bills to be used
-     * in the pie chart on the front page.
+     * Get the total amount of money paid for the users active bills in the date range given.
+     * This amount will be negative (they're expenses).
      *
      * @param Carbon $start
      * @param Carbon $end
      *
-     * @return Collection
+     * @return string
      */
-    public function getBillsForChart(Carbon $start, Carbon $end)
+    public function getBillsPaidInRange(Carbon $start, Carbon $end)
     {
-        $paid   = new Collection;
-        $unpaid = new Collection;
+        $cache = new CacheProperties;
+        $cache->addProperty($start);
+        $cache->addProperty($end);
+        $cache->addProperty('bills-paid-in-range');
+        if ($cache->has()) {
+            //return $cache->get(); // @codeCoverageIgnore
+        }
+        $amount = '0';
+        $bills  = $this->getActiveBills();
 
-        $bills = $this->getActiveBills();
         /** @var Bill $bill */
         foreach ($bills as $bill) {
             $ranges = $this->getRanges($bill, $start, $end);
 
             foreach ($ranges as $range) {
-                // paid a bill in this range?
-                $journals = $this->getJournalsInRange($bill, $range['start'], $range['end']);
-                if ($journals->count() == 0) {
-                    $unpaid->push([$bill, $range['start']]);
-                } else {
-                    $paid = $paid->merge($journals);
-                }
-
+                $paid   = $bill->transactionjournals()
+                               ->before($range['end'])
+                               ->after($range['start'])
+                               ->leftJoin(
+                                   'transactions', function (JoinClause $join) {
+                                   $join->on('transactions.transaction_journal_id', '=', 'transaction_journals.id')->where('transactions.amount', '<', 0);
+                               }
+                               )
+                               ->first([DB::Raw('SUM(`transactions`.`amount`) as `sum_amount`')]);
+                $amount = bcadd($amount, $paid->sum_amount);
             }
         }
-        $set = new Collection;
-        $set->put('paid', $paid);
-        $set->put('unpaid', $unpaid);
+        $cache->store($amount);
 
-        return $set;
+        return $amount;
     }
 
     /**
-     * Takes the paid/unpaid bills collection set up before and expands it using
-     * credit cards the user might have.
-     *
-     * @param Collection $set
-     * @param Carbon     $start
-     * @param Carbon     $end
-     *
      * @return Collection
      */
-    public function getCreditCardInfoForChart(Collection $set, Carbon $start, Carbon $end)
+    public function getActiveBills()
     {
-
-        $accounts    = app('FireflyIII\Repositories\Account\AccountRepositoryInterface');
-        $creditCards = $accounts->getCreditCards($end);
-        $paid        = $set->get('paid');
-        $unpaid      = $set->get('unpaid');
-
-        foreach ($creditCards as $creditCard) {
-            $date    = new Carbon($creditCard->getMeta('ccMonthlyPaymentDate'));
-            if ($creditCard->balance < 0) {
-                // unpaid! create a fake bill that matches the amount.
-                $description = $creditCard->name;
-                $amount      = $creditCard->balance * -1;
-                $fakeBill    = $this->createFakeBill($description, $date, $amount);
-                unset($description, $amount);
-                $unpaid->push([$fakeBill, $date]);
-            }
-            if ($creditCard->balance == 0) {
-                // find transfer(s) TO the credit card which should account for
-                // anything paid. If not, the CC is not yet used.
-                $journals = $accounts->getTransfersInRange($creditCard, $start, $end);
-                $paid     = $paid->merge($journals);
-            }
-        }
-        $set = new Collection;
-        $set->put('paid', $paid);
-        $set->put('unpaid', $unpaid);
+        /** @var Collection $set */
+        $set = Auth::user()->bills()
+                   ->where('active', 1)
+                   ->get(
+                       [
+                           'bills.*',
+                           DB::Raw('(`bills`.`amount_min` + `bills`.`amount_max` / 2) as `expectedAmount`')
+                       ]
+                   )->sortBy('name');
 
         return $set;
     }
 
+
     /**
-     * This method returns all active bills which have been paid for in the given range,
-     * with the field "paid" indicating how much the bill was for.
+     * Get the total amount of money due for the users active bills in the date range given. This amount will be positive.
      *
      * @param Carbon $start
      * @param Carbon $end
      *
-     * @return Collection
+     * @return string
      */
-    public function billsPaidInRange(Carbon $start, Carbon $end)
+    public function getBillsUnpaidInRange(Carbon $start, Carbon $end)
     {
-        $set = Auth::user()->bills()
-                   ->leftJoin('transaction_journals', 'transaction_journals.bill_id', '=', 'bills.id')
-                   ->leftJoin(
-                       'transactions', function (JoinClause $join) {
-                       $join->on('transactions.transaction_journal_id', '=', 'transaction_journals.id')->where('transactions.amount', '>', 0);
-                   }
-                   )
-                   ->where('transaction_journals.date', '>=', $start->format('Y-m-d'))
-                   ->where('transaction_journals.date', '<=', $end->format('Y-m-d'))
-                   ->where('bills.active', 1)
-                   ->groupBy('bills.id')->get(
-                ['bills.*', DB::Raw('SUM(`transactions`.`amount`) as `paid`')]
-            );
+        $cache = new CacheProperties;
+        $cache->addProperty($start);
+        $cache->addProperty($end);
+        $cache->addProperty('bills-unpaid-in-range');
+        if ($cache->has()) {
+            //return $cache->get(); // @codeCoverageIgnore
+        }
+        $amount = '0';
+        $bills  = $this->getActiveBills();
+
+        /** @var Bill $bill */
+        foreach ($bills as $bill) {
+            $ranges   = $this->getRanges($bill, $start, $end);
+            $paidBill = '0';
+            foreach ($ranges as $range) {
+                $paid     = $bill->transactionjournals()
+                                 ->before($range['end'])
+                                 ->after($range['start'])
+                                 ->leftJoin(
+                                     'transactions', function (JoinClause $join) {
+                                     $join->on('transactions.transaction_journal_id', '=', 'transaction_journals.id')->where('transactions.amount', '>', 0);
+                                 }
+                                 )
+                                 ->first([DB::Raw('SUM(`transactions`.`amount`) as `sum_amount`')]);
+                $paidBill = bcadd($paid->sum_amount, $paidBill);
+            }
+            if ($paidBill == 0) {
+                $amount = bcadd($amount, $bill->expectedAmount);
+            }
+        }
+        $cache->store($amount);
+
+        return $amount;
+    }
+
+    /**
+     * This method will tell you if you still have a CC bill to pay. Amount will be positive if the amount
+     * has been paid, otherwise it will be negative.
+     *
+     * @param Carbon $start
+     * @param Carbon $end
+     *
+     * @return string
+     */
+    public function getCreditCardBill(Carbon $start, Carbon $end)
+    {
+
+        $cache = new CacheProperties;
+        $cache->addProperty($start);
+        $cache->addProperty($end);
+        $cache->addProperty('credit-card-bill');
+        if ($cache->has()) {
+            //return $cache->get(); // @codeCoverageIgnore
+        }
+        /** @var AccountRepositoryInterface $accountRepository */
+        $accountRepository = app('FireflyIII\Repositories\Account\AccountRepositoryInterface');
+        $amount            = '0';
+        $creditCards       = $accountRepository->getCreditCards($end); // Find credit card accounts and possibly unpaid credit card bills.
+        /** @var Account $creditCard */
+        foreach ($creditCards as $creditCard) {
+            if ($creditCard->balance == 0) {
+                // find a transfer TO the credit card which should account for
+                // anything paid. If not, the CC is not yet used.
+                $set = TransactionJournal::whereIn(
+                    'transaction_journals.id', function (Builder $q) use ($creditCard, $start, $end) {
+                    $q->select('transaction_journals.id')
+                      ->from('transactions')
+                      ->leftJoin('transaction_journals', 'transaction_journals.id', '=', 'transactions.transaction_journal_id')
+                      ->leftJoin('transaction_types', 'transaction_types.id', '=', 'transaction_journals.transaction_type_id')
+                      ->where('transactions.account_id', $creditCard->id)
+                      ->where('transactions.amount', '>', 0)// this makes the filter unnecessary.
+                      ->where('transaction_journals.user_id', Auth::user()->id)
+                      ->where('transaction_journals.date', '>=', $start->format('Y-m-d'))
+                      ->where('transaction_journals.date', '<=', $end->format('Y-m-d'))
+                      ->where('transaction_types.type', TransactionType::TRANSFER);
+                }
+                )->leftJoin(
+                    'transactions', function (JoinClause $join) {
+                    $join->on('transactions.transaction_journal_id', '=', 'transaction_journals.id')->where('transactions.amount', '>', 0);
+                }
+                )->first([DB::Raw('SUM(`transactions`.`amount`) as `sum_amount`')]);
+
+                $amount = bcadd($amount, $set->sum_amount);
+            } else {
+                $amount = bcadd($amount, $creditCard->balance);
+            }
+        }
+
+        return $amount;
 
-        return $set;
     }
 }
diff --git a/app/Repositories/Bill/BillRepositoryInterface.php b/app/Repositories/Bill/BillRepositoryInterface.php
index 841259db84..d171aedcdb 100644
--- a/app/Repositories/Bill/BillRepositoryInterface.php
+++ b/app/Repositories/Bill/BillRepositoryInterface.php
@@ -16,61 +16,41 @@ interface BillRepositoryInterface
 {
 
     /**
-     * Takes the paid/unpaid bills collection set up before and expands it using
-     * credit cards the user might have.
-     *
-     * @param Collection $set
-     * @param Carbon     $start
-     * @param Carbon     $end
-     *
-     * @return Collection
-     */
-    public function getCreditCardInfoForChart(Collection $set, Carbon $start, Carbon $end);
-
-    /**
-     * Gets a collection of paid bills and a collection of unpaid bills to be used
-     * in the pie chart on the front page.
+     * This method will tell you if you still have a CC bill to pay. Amount will be negative if the amount
+     * has been paid
      *
      * @param Carbon $start
      * @param Carbon $end
      *
-     * @return Collection
+     * @return string
      */
-    public function getBillsForChart(Carbon $start, Carbon $end);
+    public function getCreditCardBill(Carbon $start, Carbon $end);
 
     /**
-     * @deprecated
-     * Returns the sum of all payments connected to this bill between the dates.
-     *
-     * @param Bill   $bill
-     * @param Carbon $start
-     * @param Carbon $end
-     *
-     * @return float
-     */
-    public function billPaymentsInRange(Bill $bill, Carbon $start, Carbon $end);
-
-    /**
-     * This method returns all active bills which have been paid for in the given range,
-     * with the field "paid" indicating how much the bill was for.
+     * Get the total amount of money paid for the users active bills in the date range given.
      *
      * @param Carbon $start
      * @param Carbon $end
      *
-     * @return Collection
+     * @return string
      */
-    public function billsPaidInRange(Carbon $start, Carbon $end);
+    public function getBillsPaidInRange(Carbon $start, Carbon $end);
 
     /**
-     * Create a fake bill to help the chart controller.
+     * Get the total amount of money due for the users active bills in the date range given.
      *
-     * @param string $description
-     * @param Carbon $date
-     * @param float  $amount
+     * @param Carbon $start
+     * @param Carbon $end
      *
-     * @return Bill
+     * @return string
      */
-    public function createFakeBill($description, Carbon $date, $amount);
+    public function getBillsUnpaidInRange(Carbon $start, Carbon $end);
+
+    /**
+     * @return Collection
+     */
+    public function getActiveBills();
+
 
     /**
      * @param Bill $bill
@@ -79,11 +59,6 @@ interface BillRepositoryInterface
      */
     public function destroy(Bill $bill);
 
-    /**
-     * @return Collection
-     */
-    public function getActiveBills();
-
     /**
      * @return Collection
      */
@@ -126,7 +101,7 @@ interface BillRepositoryInterface
     /**
      * Every bill repeats itself weekly, monthly or yearly (or whatever). This method takes a date-range (usually the view-range of Firefly itself)
      * and returns date ranges that fall within the given range; those ranges are the bills expected. When a bill is due on the 14th of the month and
-     * you give 1st and the 31st of that month as argument, you'll get one response, matching the range of your bill.
+     * you give 1st and the 31st of that month as argument, you'll get one response, matching the range of your bill (from the 14th to the 31th).
      *
      * @param Bill   $bill
      * @param Carbon $start