Sinking Fund Calculator: Monthly Amount for Each Bill
Free sinking fund calculator: list your yearly bills and see what to put in each savings pot every month, plus the catch-up if a bill is due soon.
By the Abel team
·
Updated 2026
Add the bills that do not arrive every month, like car insurance, the TV Licence, Christmas or a boiler service, and this calculator tells you how much to move into each pot every month. The key point: a bill due soon needs a higher catch-up payment until it is paid, then drops to its steady monthly amount, so the first few months usually cost more than the long-run figure.
Your irregular bills
For each bill, enter the amount, how often it comes round, how many months until it is next due, and anything you have already put aside for it.
