List your regular bills and the costs you can see coming, like rego, insurance and Christmas. We add them up across the year and give you one amount to transfer every payday, so big bills are already covered when they land and your savings stay put.
Keep everyday spending out. Groceries, normal fuel, takeaway and entertainment stay in your everyday account. This is for bills and costs you can predict.
Plan for the irregular stuff. For tyres, servicing, repairs and home maintenance, put in a sensible yearly allowance and pick Yearly.
Automate the transfer. Set up an automatic transfer for payday. If it relies on you remembering, it won't last.
Review it. Update your amounts when a bill changes or a policy renews. A quick check every six months keeps the transfer right.
It's not an emergency fund. This smooths out bills you know about. Keep a separate buffer for the ones you don't.
Your figures are kept in this browser automatically, so they'll be here when you come back on this device. To pick up on another device, copy your save code and keep it somewhere safe, like an email to yourself.
Want help setting up your bills account?A VFC broker can help you structure your accounts and offset, so your bills money works against your home loan while it waits.
Book a strategy callEstimates only. General information, not financial advice, and it doesn't consider your objectives, financial situation or needs. This calculator smooths your fixed bills evenly across the year. It doesn't track exact due dates or variable spending such as groceries, fuel or entertainment. Uses 52 weeks, 26 fortnights and 12 months in a year. The starting balance is a rule of thumb, not a guarantee every bill is covered on its due date.