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Per Year
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New Year planning

Plan your 2027 bills before January.

List the bills you pay, put each yearly one in the month it renews, and see what 2027 costs in one total. Free, with no account and no bank link.

Start my 2027 listSee an example household →

Example year by month

Example prices

  1. January: $244.96
  2. February: $105.96
  3. March: $105.96
  4. April: $105.96
  5. May: $105.96
  6. June: $105.96
  7. July: $105.96
  8. August: $105.96
  9. September: $105.96
  10. October: $105.96
  11. November: $105.96
  12. December: $105.96
$244.96 in January vs $105.96 in a quiet month, for Per Year's subscriptions starter list (Netflix, Disney+, Spotify, YouTube Premium, Amazon Prime, iCloud storage, Gym). Example prices, not your bills.

Why January is the heavy month in our starter lists

Per Year has 5 starter lists that include a yearly bill. In 4 of them, January is the most expensive month. The reason is one line: the Amazon Prime example ($139 a year) sits in January until you set your own renewal month.

That is a fact about our example lists, not a national pattern. Your heaviest month is wherever your own yearly bills land, which is why the next step is setting their months.

Three steps for 2027

  1. 1

    List what you already pay

    Tap the bills you have and type the price from the statement. Weekly, monthly, and yearly bills all go on one list.

  2. 2

    Put each yearly bill in its month

    Set the month each yearly or twice-a-year bill renews. That moves it out of the default month and onto your real 2027.

  3. 3

    Set aside the same amount each month

    Per Year divides the year by 12, so a January renewal is covered by small amounts across the months before it. That is ordinary division, not advice.

Yearly bills to list for 2027

  • Car insuranceif you pay the policy in full, or every 6 months
  • Car registrationthe month your renewal notice arrives
  • Renters or home insurancethe policy renewal month
  • Membershipswarehouse clubs, shipping, roadside help
  • Holidays and giftsDecember for most lists, plus birthdays
  • Annual software and storageanything billed once a year

Labeled example prices in the calculator: Amazon Prime $139 a year, Costco membership $65 a year. Replace them with the price on your account.

Want the dates done for you?

The free total is the whole year in one number. The optional Annual Bills Plan turns the same list into a 12-month calendar with every yearly bill dated, calendar reminders 7 days before yearly bills, and a check for commonly forgotten bills. It is a one-time purchase; checkout shows the live price.

Add my bills first

Questions

Is planning my 2027 bills free?
Yes. Adding your bills and seeing the yearly total and monthly set-aside is free. There is no account and no bank link; the list stays in your browser.
Why does January look heavy?
In most of Per Year's starter lists, January is the heaviest month because the Amazon Prime example lands there until you set your own renewal month. Your heaviest month is wherever your own yearly bills land.
Which bills should I put on a 2027 calendar?
Start with anything you pay once or twice a year: car insurance if you pay it in full, car registration, renters or home insurance, memberships like Amazon Prime or Costco, and holidays and gifts.
What does the Annual Bills Plan add?
The optional Annual Bills Plan dates every yearly bill on a 12-month calendar, adds calendar reminders 7 days before yearly bills, and checks your list for commonly forgotten bills. Checkout shows the live price.