Annual expenses list
Every once-a-year cost by month, and what to set aside each month.
Car registration, insurance premiums, memberships, birthdays, school fees: costs that come once a year are easy to forget until they arrive. This list puts them all in one place, month by month.
Add up the year, divide by twelve, and you have the amount to set aside each month so none of them are a surprise.
How it works
Go through last year’s bank statements and your calendar, and write every yearly or irregular cost under the month it is due. Add up the year and divide by twelve. Saving that amount every month means none of these costs is a surprise.
| Yearly total | Set aside each month |
|---|---|
| $1,800 | $150 |
| $3,000 | $250 |
| $3,619 | $302 |
| $4,800 | $400 |
How to use it
- Go through last year’s statements and list every yearly or irregular cost under its month.
- Add up the year’s total.
- Divide by 12 and save that amount every month.
Ways to use it
- Split the monthly amount across sinking funds.
- Add next year’s known changes, like a car payoff.
- Couples: go through both calendars together.
Tips
- Check your calendar for birthdays and holidays.
- Track each cost in a sinking fund once you know the monthly amount.
Questions
What are annual expenses?
Costs that come once a year or a few times a year, like car registration, insurance premiums, memberships, birthdays and holidays.
How do I budget for irregular expenses?
List them all, add up the year, divide by twelve, and save that amount every month in a sinking fund.
Where do I find my annual expenses?
Last year’s bank and card statements, your calendar for birthdays and holidays, and any renewal emails.
Goes well with
- Sinking funds tracker Twelve funds on one page, with a box for every month.
- Christmas 2027 sinking fund Save a little every month so next December is already paid for.
More bills & sinking funds
Monthly bill calendar
Every bill on its due date, with ticks for autopay and paid.
Sinking funds tracker
Twelve funds on one page, with a box for every month.
Christmas 2027 sinking fund
Save a little every month so next December is already paid for.
2027 bill payment checklist
Every bill on one page, with a box to tick for each month of 2027.
This printable is a general planning tool, not financial advice. Read the full disclaimer.