Bill Smoother

The bills that break budgets are not the monthly ones. They are the once-a-year ambushes: car insurance, MOT, Christmas. List them once, and get the single monthly amount that makes them all boring.

Your once-a-year (or now-and-then) costs

Enter what each one costs you per YEAR. The rows are only prompts, so edit the names, leave blanks, add your own.

Your smoothing number

Fill in a yearly amount for at least one cost and your monthly set-aside appears here.

🔒 Everything on this page is calculated on your device. Nothing you type is sent to us, stored, or shared.

This tool needs JavaScript (it runs entirely on your device). The pen-and-paper version: add up your yearly one-off costs and divide by 12, then set that aside each month in a separate pot.

Important information

The content of this calculator is for informational purposes only and does not constitute financial or professional advice. It is not regulated financial, tax, mortgage, investment or legal advice, and using it does not make us your adviser.

We do not make personal recommendations. The tool shows you the result of a calculation based on the figures you enter. It does not tell you what you should do, and nothing it shows is presented as suitable for you or your circumstances.

The figures are estimates worked out by a computer program from the assumptions and information you enter. They are not a quote, an offer, or a statement of what you will actually pay or receive, and they will not reflect every part of your personal circumstances.

Please do not make a financial decision on these figures alone. Check your position against the relevant official source, or with a suitably qualified professional, before you act.

We take care to keep this tool accurate, but we cannot guarantee it is free from error or fully up to date, and so far as the law allows we cannot accept liability for any loss that comes from relying on it.