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 →Sinking fund · monthly set-aside
Sinking fund calculator for bills that hit once a year.
A sinking fund is ordinary division: yearly amount ÷ 12. Add the bills you already pay, see the monthly set-aside and the yearly total together. Optional one-time Annual Bills Plan.
A sinking fund is ordinary division: yearly amount ÷ 12. Add the bills you already pay, see the monthly set-aside and the yearly total together. Optional one-time Annual Bills Plan.
Continue your list
How the sinking-fund math works
For a bill that comes once a year, divide the amount by 12 to get a monthly set-aside. Per Year does that for every yearly line on your list, alongside monthly × 12 and weekly × 52. The starter lines are labeled examples or empty blanks — change them to your numbers. No bank link, no account.
Guides for yearly bills
Annual bills checklist
A printable list of yearly, 6-month, and quarterly household bills — with cited amounts only where a public source exists.
Read guide →How much to set aside for bills
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 →Questions about this calculator
What is a sinking fund?
A sinking fund is money set aside each month for a bill that is not due every month — insurance renewals, registration, holidays, memberships. The usual math is yearly amount ÷ 12.
Is this sinking fund calculator free?
Yes. Add bills, change each price, and read the monthly set-aside and yearly total without paying. The one-time Annual Bills Plan is optional.
Do I need to link my bank?
No. Per Year does not connect to your bank. 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.
The arithmetic is written out on how a monthly bill becomes a year.