Planning tool / annual bills calculator

Annual bills calculator

Use this page to make annual expenses visible before they arrive, then turn them into manageable weekly, fortnightly, or monthly amounts.

Annual expense plan

$3,600

Set aside about $69 weekly, $138 fortnightly, or $300 monthly.

Weekly amount$69/week
Fortnightly amount$138/fortnight
Monthly amount$300/month

This turns annual costs into a regular sinking-fund target.

Enter your numbers

How it works

annual expenses / 52 = weekly amount. annual expenses / 26 = fortnightly amount. annual expenses / 12 = monthly amount.

  • List annual or irregular bills such as insurance, vehicle costs, school costs, subscriptions, and rates.
  • Add the yearly total for each expense.
  • Divide the total into weekly, fortnightly, or monthly amounts.
  • Set that amount aside so a future bill does not disrupt today's spending decisions.

Annual costs example

If annual costs total $3,600, the target is about $69 per week, $138 per fortnight, or $300 per month.

FAQ

What expenses should I include?

Include bills that are easy to forget because they do not arrive every pay cycle: insurance, annual subscriptions, car costs, rates, gifts, holidays, or school expenses.

Should I include holidays?

Include holidays if you want them funded gradually instead of paid from whatever happens to be in the account at the time.

What is a sinking fund?

A sinking fund is money set aside gradually for a known future expense.

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