This calculator requires the use of Javascript enabled and capable browsers. This script creates a visual picture of your non-monthly expenses so that you can plan for them on a monthly basis. It is easy to calculate normal monthly expenses by tracking your expenditures over the month, over a period of several months. The problem is that many people then use these somewhat inaccurate numbers for planning purposes, and are then surprised when things like car insurance or property tax bills occur regularly, just not monthly. A better way to deal with these non-monthly is to calculate them ahead of time and handle them on a monthly basis just like any other bill. Each month simply set a fixed amount of money aside in a separate account to pay for non-monthly expenses for when they actually do occur. The calculator below will help you to identify all of your non-monthly expenses. The goal is to try to remind you of all of the different bills that crop up quarterly, just once or twice a year, or as emergencies. The calculator will determine a total amount due for all of these irregular bills and then divide that amount by twelve to give you a reasonably accurate monthly preparatory fund.
