Annual household budget
BLS 2024 average household expenditures as context, then a free path to total your own recurring year.
Read guide →Household budget · bills calculator
Monthly expenses calculator for your household budget.
Add the monthly expenses and bills you already pay. See what's left after expenses, your heaviest month, and what to set aside — the year is the payoff. Optional one-time Annual Bills Plan.
Add the monthly expenses and bills you already pay. See what's left after expenses, your heaviest month, and what to set aside — the year is the payoff. Optional one-time Annual Bills Plan.
Continue your list
Worked example
Worked example
Typical household example (labeled research prices). Replace every line with your own bills above.
| Bill | Monthly | Yearly |
|---|---|---|
| RentApartmentAdvisor National Rent Report | $1,650 | $19,800 |
| ElectricEIA Electric Sales, Revenue, and Average Price Table 5A | $142 | $1,704 |
| Home internetReviews.org cost of internet, streaming, and cell phone bills | $70 | $840 |
| Car insuranceCNBC Select citing Bankrate full-coverage average | $199 | $2,388 |
| Amazon PrimeAmazon — The Amazon Prime Membership Fee | $11.58 | $139 |
| Total | $2,072.58 | $24,871 |
Worked example
Typical household example (labeled research prices). Replace every line with your own bills above.
| Bill | Monthly | Yearly |
|---|---|---|
| RentApartmentAdvisor National Rent Report | $1,650 | $19,800 |
| ElectricEIA Electric Sales, Revenue, and Average Price Table 5A | $142 | $1,704 |
| Home internetReviews.org cost of internet, streaming, and cell phone bills | $70 | $840 |
| Car insuranceCNBC Select citing Bankrate full-coverage average | $199 | $2,388 |
| Amazon PrimeAmazon — The Amazon Prime Membership Fee | $11.58 | $139 |
| Total | $2,072.58 | $24,871 |
How it's calculated
How it's calculated
Deterministic arithmetic only — no averages from other users, no AI estimates.
- Weekly → year: amount × 52
- Monthly → year: amount × 12
- Yearly: amount as entered
- Monthly total: yearly total ÷ 12 (rounded)
- Left per month: take-home − listed monthly total
- Tightest month: take-home − that month's bill outflow (annual bills land in their due month)
Assumptions: 52 weeks and 12 months per year; optional take-home is what you type; example prices are labeled research figures, not your data. Full methodology.
How it's calculated
Deterministic arithmetic only — no averages from other users, no AI estimates.
- Weekly → year: amount × 52
- Monthly → year: amount × 12
- Yearly: amount as entered
- Monthly total: yearly total ÷ 12 (rounded)
- Left per month: take-home − listed monthly total
- Tightest month: take-home − that month's bill outflow (annual bills land in their due month)
Assumptions: 52 weeks and 12 months per year; optional take-home is what you type; example prices are labeled research figures, not your data. Full methodology.
Typical ranges for common household expenses
Last updated October 23, 2026
Typical ranges for common household expenses
Last updated October 23, 2026
Published U.S. figures for context while you build your own list. Not a recommendation.
Housing (rent or mortgage + utilities + furnishings)
$26,266/year
BLS Consumer Expenditures 2024 average for all consumer units — not a budget target.
Source: BLS Consumer Expenditures 2024
Utilities, fuels, and public services
$4,736/year
Includes electricity, gas, water, and related services in the BLS CE survey.
Source: BLS Consumer Expenditures report
Residential electric bill (U.S. average)
$142.26/month
About 863 kWh/month at 16.48¢/kWh (EIA 2024).
Amazon Prime (U.S. list price)
$139/year or $14.99/month
Official membership fee from Amazon Help — a common yearly bill people forget to annualize.
Source: Amazon Prime membership fee
Typical ranges for common household expenses
Last updated October 23, 2026
Published U.S. figures for context while you build your own list. Not a recommendation.
Housing (rent or mortgage + utilities + furnishings)
$26,266/year
BLS Consumer Expenditures 2024 average for all consumer units — not a budget target.
Source: BLS Consumer Expenditures 2024
Utilities, fuels, and public services
$4,736/year
Includes electricity, gas, water, and related services in the BLS CE survey.
Source: BLS Consumer Expenditures report
Residential electric bill (U.S. average)
$142.26/month
About 863 kWh/month at 16.48¢/kWh (EIA 2024).
Amazon Prime (U.S. list price)
$139/year or $14.99/month
Official membership fee from Amazon Help — a common yearly bill people forget to annualize.
Source: Amazon Prime membership fee
Why Per Year
Why Per Year
The math is free
Add monthly expenses, edit every price, compare to take-home, and export your total without paying.
$5 is the Annual Bills Plan
One-time unlock for forgotten bills, what to set aside each month, and your heaviest month calendar. Not a subscription. 30-day refund.
No bank, nothing sold
Per Year does not connect to your bank, use AI on your list, or sell your bills. Your free list stays on this device.
Why Per Year
The math is free
Add monthly expenses, edit every price, compare to take-home, and export your total without paying.
$5 is the Annual Bills Plan
One-time unlock for forgotten bills, what to set aside each month, and your heaviest month calendar. Not a subscription. 30-day refund.
No bank, nothing sold
Per Year does not connect to your bank, use AI on your list, or sell your bills. Your free list stays on this device.
Guides for yearly bills and budget
Guides for yearly bills and budget
Guides for yearly bills and budget
Sinking funds for annual bills
How monthly set-asides cover yearly insurance, registration, and memberships — with a path into Per Year’s calendar sample.
Read guide →50/30/20 budget rule
How the popular 50/30/20 split relates to yearly bills — with CFPB budgeting links and a calculator for your real numbers.
Read guide →Guides for yearly bills and budget
Guides for yearly bills and budget
Annual household budget
BLS 2024 average household expenditures as context, then a free path to total your own recurring year.
Read guide →Sinking funds for annual bills
How monthly set-asides cover yearly insurance, registration, and memberships — with a path into Per Year’s calendar sample.
Read guide →50/30/20 budget rule
How the popular 50/30/20 split relates to yearly bills — with CFPB budgeting links and a calculator for your real numbers.
Read guide →Questions about this calculator
Is this monthly expenses calculator free?
Yes. Add every bill, change each price, and read both the monthly and yearly totals without paying. The one-time Annual Bills Plan is optional.
How does a monthly bill become a year?
A monthly amount is multiplied by 12. A weekly amount is multiplied by 52. A yearly amount stays as you typed it.
Do I need to link my bank?
No. Per Year does not connect to your bank or store your list on a server for the free calculator. You type each bill; it stays on this device until you choose to buy the plan.
What is the Annual Bills Plan?
One payment unlocks a forgotten-bills checklist, monthly set-aside calendar for your heaviest month, needs vs wants, ways to save, and a 5-year outlook. One-time, not a subscription, with a 30-day refund.
Can I compare bills to take-home pay?
Yes. Enter monthly take-home income to see what share of take-home goes to the bills you entered, how much is left before other spending, and leftover in your tightest month. The free calculator shows those numbers; the Annual Bills Plan adds the full set-aside calendar.
The arithmetic is written out on how a monthly bill becomes a year.