Guide · cited public sources
Non-monthly bills — insurance renewals, registration, yearly software — hit once and feel sudden. The set-aside method is ordinary division: amount due ÷ months left until the due date. List every bill, do the math, then fund that amount on payday.
Example household only — made-up amounts to show the division. Labeled "Example" so they are never read as national averages. Replace every number with your statement.
Combined total of the rows above: $1,680/year (about $140/month). Mix of cited averages and examples — not your household.
For each non-monthly bill, write the amount you will owe and count how many months remain until the due date. Divide amount by months. That quotient is what to move into a set-aside each month until the bill posts.
If a bill renews every year and you start twelve months ahead, you are dividing by 12. If you notice it with three months left, divide by 3 — the monthly amount is larger because you started late. Catch-up is still the same formula.
Example: a household has three non-monthly bills. Car registration $180 due in 6 months → $180 ÷ 6 = $30 per month. Annual insurance $1,200 due in 12 months → $1,200 ÷ 12 = $100 per month. Software renewal $120 due in 3 months → $120 ÷ 3 = $40 per month. Combined set-aside: $170 per month until each bill is paid.
Those dollar figures are invented for teaching. They are not BLS averages and not a quote for your state or carrier. Enter your own amounts in the free calculator, then open /sample to see how a set-aside calendar can hold the same math.
Per Year does not move money between accounts or give financial advice. The free calculator totals the bills you type. The optional one-time Annual Bills Plan builds a month-by-month set-aside calendar and .ics from your list.
Turn each non-monthly bill into a monthly set-aside amount.
For each non-monthly bill, divide the amount due by the number of months until it is due. Add those monthly amounts together for a combined set-aside.
Yes. The free calculator shows a yearly total from the bills you enter. The optional one-time Annual Bills Plan adds the month-by-month set-aside calendar and .ics.
Annual Bills Plan
$5 once. Not a subscription.
$5
one time
Bills you might be forgetting
A checklist of common irregular costs
Monthly set-aside plan
What to save, with a 12-month calendar
Needs vs wants
Your split next to the 50/30/20 guideline
Ways to save and a 5-year outlook
Plus a Scenario Lab to test changes
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How monthly set-asides cover yearly insurance, registration, and memberships — with a path into Per Year’s calendar sample.
Read guide →A printable list of yearly, 6-month, and quarterly household bills — with cited amounts only where a public source exists.
Read guide →Honest comparison: a free spreadsheet template vs a yearly bill calculator that can add a month-by-month set-aside plan.
Read guide →