"If you don't pay the bill by Friday" is looking forward from the viewpoint of now. "If you haven't paid the bill by Friday" is looking backwards from a projected viewpoint of Friday. In practice the two may be used more or less interchangeably.
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cho7712What book can I find this information in?There may be a grammar book with this specific example, but in general, grammar books cannot cover all the combinations that are in the English language. There are just too many, and the language has changed over time.