---
title: "Sinking Fund Calculator for Yearly Bills | MCC Solutions"
description: "Enter your yearly bills such as insurance, car costs, gifts and subscriptions to see how much to set aside each month, week or paycheck. Free and private."
url: "https://mcc-solutionsnj.com/tools/sinking-fund-calculator-for-yearly-bills"
---

Free tool

# Sinking fund calculator for yearly bills

## Overview

Turn bills that arrive once a year into a steady amount you set aside each month.

Want this tracked every month? Wrenfold keeps your budget on your own device. [See Wrenfold](/personal-finance)

Insurance paid yearly or twice a year ($)

Car registration and repairs ($)

Gifts and holidays ($)

Annual subscriptions ($)

Medical and dental ($)

Other yearly costs ($)

Months until the first big bill (optional)

Excel workbook · $19

### Household Budget and Bill Calendar

Give every dollar a job, track what actually happened, and see which bills land in which month.

[See what is inside ($19)](/toolkits/household-budget-bill-calendar) [Free sample](/toolkits/household-budget-bill-calendar#free-starter)14-day full refund

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## Put this tool on your own site

Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

[See every calculator you can embed](/embed)

How it works

## How it works

Add up the bills that come once or twice a year. Divide the total by 12 for the monthly amount, by 24 for a twice-monthly paycheck, by 26 for a paycheck every two weeks, or by 52 for a weekly amount. If a big bill is closer than a year away, enter the months left to see the higher monthly amount you need to catch up.

FAQ

## About this calculator

**What is a sinking fund?**

A savings amount you set aside regularly for a known future cost, so the bill does not disrupt your monthly budget.

**Where should I keep it?**

In a separate savings account or a labeled sub-account, so it is not spent by accident.

**What if the bill is sooner than a year?**

Use the months field to see the higher monthly amount.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

Read the guide: [Sinking Funds: Save Monthly for Yearly Bills](/tools/guides/sinking-funds-explained). Related: [savings goal calculator](/bookkeeping/savings-goal-calculator), [how to build a monthly household budget](/tools/guides/how-to-build-a-monthly-household-budget), [household budget bill calendar](/toolkits/household-budget-bill-calendar). See [all free tools](/free-tools). More free tools: [Length converter](/tools/length-converter), [Golden ratio calculator](/tools/golden-ratio-calculator), [Fraction to decimal calculator](/tools/fraction-to-decimal-calculator), or [see all free tools](/free-tools).

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators.

Excel workbook

### Household Budget and Bill Calendar

Give every dollar a job, track what actually happened, and see which bills land in which month.

[See what is inside ($19)](/toolkits/household-budget-bill-calendar) [Try the free starter](/toolkits/household-budget-bill-calendar#free-starter)

Also in the [Household Money Bundle](/toolkits/household-money-bundle): 3 products for $39 instead of $47 separately.

Wrenfold

### Keep this going in a budget you own

Wrenfold keeps accounts, budgets, bills and goals on your own computer or iPhone, with budgets that roll over each month. Bring in a bank CSV or your You Need A Budget file, or keep balances current through SimpleFIN Bridge, a separate service you sign up for. $79 once, with an optional $5 a month for updates; the app keeps working if you stop. The free trial records up to 60 entries.

[See Wrenfold](/personal-finance) [Compare the three apps](/software)

## Need help with your business?

[Contact us](/contact)[Call (908) 444-6373](tel:+19084446373)