Question 1

Is the yearly total free?

Accepted Answer

Yes. You can add every bill, change each price, and read the whole year without paying.

Question 2

What do I actually get?

Accepted Answer

Your Annual Bills Plan: a forgotten-bills checklist, a monthly set-aside plan with a 12-month calendar, needs vs wants, ways to save, and a 5-year outlook. It opens at an unlisted link you can share, and you can download it as a PDF. One payment, 30-day refund, no subscription.

Question 3

What if the report isn't useful?

Accepted Answer

Email us within 30 days for a full refund, no questions asked. Details at the terms page.

Question 4

What does the Annual Bills Plan include?

Accepted Answer

One payment turns your list into your Annual Bills Plan: a forgotten-bills checklist, a monthly set-aside plan with a 12-month calendar, needs vs wants, ways to save, and a 5-year outlook, plus the full bill list. It opens at an unlisted link anyone with the URL can view, and you can download it as a PDF or share the link. It is a one-time purchase, not a subscription, with a 30-day refund.

Question 5

Does Per Year use AI or give financial advice?

Accepted Answer

No. Every number comes from fixed arithmetic you can check, not an AI model. Per Year does not connect to your bank, cancel anything, or give financial advice. Scenarios and the action checklist stay in your browser.

Question 6

How does a monthly bill become a year?

Accepted Answer

A monthly amount is multiplied by 12. A weekly amount is multiplied by 52. A yearly amount stays as you typed it.

Question 7

Can I calculate yearly cost of Netflix and other subscriptions?

Accepted Answer

Yes. Add Netflix, Spotify, Hulu, Disney+, gym memberships, cloud storage, or any recurring subscription. Each one converts from monthly to yearly as you type. The free calculator shows the total immediately.

Question 8

How do I calculate my annual household expenses?

Accepted Answer

Add every recurring bill your household pays: utilities, phone, internet, subscriptions, insurance, memberships, and regular costs. Per Year converts weekly bills times 52, monthly bills times 12, and yearly bills stay as-is, then adds them into one annual total.

Question 9

What does a car really cost per year beyond the payment?

Accepted Answer

Beyond the monthly payment, add car insurance, gas, parking, tolls, registration, maintenance, and repairs. These recurring costs often total more than the payment itself. Per Year calculates the full yearly cost when you enter each expense.

Question 10

How much does a baby cost in the first year?

Accepted Answer

Recurring first-year costs include diapers, formula or pumping supplies, childcare, increased insurance, wipes, and clothes. Childcare dominates the total for most families. Enter your actual monthly costs in the calculator to see the yearly total for your situation.

Question 11

How do I cut my recurring bills?

Accepted Answer

Start by listing all your bills in the free calculator to see which cost the most per year. Then cancel forgotten subscriptions, downgrade to cheaper tiers, switch to ad-supported streaming plans, negotiate insurance, or compare prepaid phone plans. The one-time Annual Bills Plan includes ways to save and a 5-year outlook for those changes.

Question 12

Does Per Year track my spending or connect to my bank?

Accepted Answer

No. Per Year does not connect to your bank, scrape transactions, or track spending. You type each bill and its price. The calculator multiplies by 12 or 52 to show the yearly cost. Nothing is estimated or inferred.

Question 13

Can I use this for budgeting?

Accepted Answer

Yes. Per Year shows the yearly cost of recurring bills, which is the foundation of a household budget. It does not track variable spending like groceries or one-time purchases, but it captures subscriptions, utilities, insurance, and other predictable monthly costs. The one-time report includes a category breakdown and optional comparison to your income.

Question 14

Is there a free yearly budget calculator?

Accepted Answer

Yes. The calculator on this site is free and shows your yearly total as you type. Add bills in any cadence (weekly, monthly, yearly) and see the annual cost immediately. The math is always free; the one-time Annual Bills Plan adds a forgotten-bills checklist, a monthly set-aside calendar, needs vs wants, ways to save, and a 5-year outlook.

Question 15

Can I share my report with someone?

Accepted Answer

Yes. The one-time Annual Bills Plan opens at an unlisted link you can share with anyone. They see the same plan you do, including the bills you entered and the yearly total. You can also download it as a PDF and send that instead.

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