Annual household budget: one year of bills in one total
A monthly budget misses anything that bills yearly. Start from the bills you already pay, convert them to a year, and only then compare to income. Public averages show how large a U.S. spending year can be — they are not your budget.
Combined total of the rows above: $108,219/year (about $9,018.25/month). Mix of cited averages and examples — not your household.
Budget the bills you can list
BLS’s 2024 average annual expenditure figure is $78,535 per consumer unit. That survey total includes categories many bill lists skip (apparel, education, cash contributions). Per Year focuses on the recurring bills you choose to enter.
For a practical annual budget, list housing, utilities, food patterns, transport, insurance, phone, internet, subscriptions, childcare, and debt minimums. Add sinking funds for irregular costs.
Need a starting checklist? The monthly expenses list groups about 30 common household bills by category with due-month patterns you can print or tap into the calculator.
Mobile-first yearly math
Most people check this on a phone. Per Year is built for short taps: pick a bill, type the amount, see the year. No account required for the free total.
Create an annual household bill budget
Convert mixed-cadence bills into one yearly household total.
Collect cadences. Note which bills are weekly, monthly, or yearly.
Enter them in Per Year. Use the free calculator. Start from common subscriptions or phone and internet if that is where you are stuck.
Compare to income. Multiply take-home pay by 12 and compare. Use CFPB worksheets if you want a full budget form.
Questions
What is the average U.S. household annual expenditure?+
The BLS Consumer Expenditures survey reported average annual expenditures of $78,535 per consumer unit in 2024.
Is this a full replacement for a budget app?+
No. Per Year totals recurring bills and can produce an Annual Bills Plan. It does not import bank transactions or invest money.
A neutral checklist for choosing an ongoing budgeting app — bank link vs manual entry, pricing, household sharing, export, and trial terms. No affiliate links.
