Irregular expenses calculator
Irregular expenses aren't surprises — they're just rare. The calculator adds up their yearly cost and divides it by 12: the hidden bill you pay every month anyway.
Tick the costs that apply to you and adjust the yearly amounts. The monthly result is what to set aside on payday.
Hidden annual costs calculator
Tick what applies to you and adjust the yearly amounts. These costs are not surprises — they are just infrequent.
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Your hidden monthly bill
$700/mo
Your life costs $700 more per month than a “normal” month shows.
Yearly total: $8,400
Set this amount aside every month in a separate account — then a “sudden” expense stops being sudden.
Frequently asked questions
How are irregular expenses different from emergencies?
You know irregular expenses in advance, they just don't come monthly (insurance, holidays, school supplies). Emergencies are unknown (a breakdown, an illness) and come out of the emergency fund.
How much should I set aside for irregular expenses?
The yearly total divided by 12. If that's too much to start with, begin with the largest items and add more each month.
Does the calculator store my data?
No. It runs only in your browser — no cookies, no account, nothing is sent.