Guide · cited public sources
A sinking fund is money parked each month for a bill that is not monthly — car registration, insurance, Amazon Prime, school fees. The math is ordinary division. The hard part is listing every annual bill in one place.
Editable examples to show the division. Replace amounts with your statements. None of these rows claim to be national averages.
Combined total of the rows above: $719/year (about $59.92/month). Mix of cited averages and examples — not your household.
If a bill is $240 once a year, setting aside $20 each month is the sinking fund. Per Year shows both the yearly total and the monthly equivalent for every line so you can build that list without a spreadsheet.
The free sample Annual Bills Plan shows how a month-by-month calendar can hold those set-asides. The paid plan builds the calendar from your own list.
Households miss software renewals, domain names, warranty plans, and club dues because they do not hit every paycheck. Listing them as yearly lines makes the set-aside visible before the charge posts.
Start from the free monthly expenses list — a printable household bills checklist grouped by category — then tap the annual lines into the calculator.
Holidays and gifts are the same pattern: one yearly pile of spending. See how much to set aside each month for the holidays for a Dec 15 countdown using your own budget.
Create monthly set-asides for non-monthly bills.
A sinking fund is a planned savings balance for a known future expense. For annual bills, people often divide the yearly cost by 12 and set that amount aside each month.
Yes. /sample shows a realistic Annual Bills Plan layout, including a set-aside calendar style view. Your own saved plan is the optional one-time Annual Bills Plan purchase.
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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The set-aside method for non-monthly bills: divide each bill by the months until it is due, with a labeled example household.
Read guide →How much to set aside each month for holidays and gifts — using your budget, months until Dec 15, and a free calculator starter.
Read guide →A printable list of yearly, 6-month, and quarterly household bills — with cited amounts only where a public source exists.
Read guide →