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Non-Monthly Expense Budget Calculator for Irregular Bills and Expenses

Calculator Preferences
Non-Monthly Bills Budget Calculator

This calculator will help you formulate a cash flow plan that will enable you to pay non-monthly expenses with cash as they come due. You also have the option of creating a printable, blank or filled-in, non-monthly expense worksheet. The results include a 1-year cash flow report showing you the month-by-month balance of your non-monthly expense savings account. The Learn tab includes:

  • The life blood of your life business.
  • Are you pulling water skiers behind your insurance premium?
  • Negative cash flows: 1st stage of business failure.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Start:Start:Start month:Start month:

Start month:

Select the current month or the month you want the cash flow calculations to start. If the current month is more than half over, you may want to start the plan next month.

Funds availFunds availableCurrent funds available for non-monthly expensesCurrent funds available for non-monthly expenses:

Current funds available for non-monthly expenses:

Enter the total of any funds you have available to start your cash flow plan. Enter as a dollar amount, but without the dollar sign and any commas.

Depending on when you start your plan, depositing the monthly average may not be enough to avoid negative balances.

Monthly amtMonthly amountAmount you can set aside each monthAmount you can set aside each month

Irregular Set-Aside Amounts:

Enter irregular set-aside amounts that will be over and above the monthly set-aside amount (without dollar signs or commas).

MMonMonthMonthAmountMMonMonthMonthAmount
J:Jan:January:January:
J:Jul:July:July:
F:Feb:February:February:
A:Aug:August:August:
M:Mar:March:March:
S:Sep:September:September:
A:Apr:April:April:
O:Oct:October:October:
M:May:May:May:
N:Nov:November:November:
J:Jun:June:June:
D:Dec:December:December:

Amount you can set aside each month:

Enter the maximum monthly amount you feel you can deposit to your non-monthly expense account. Enter as a dollar amount, but without the dollar sign and any commas.

If you want to add set-aside amounts on a month-by-month basis, expand the description in this row to open the "Irregular Set-Aside Amounts" widget.

If the total set-aside is let than the annual expense total, this often leads to an increase in debt -- which would further reduce your cash flow.

Add, Edit, Delete BillsAdd, Edit, Delete Non-Monthly BillsAdd, Edit, Delete Non-Monthly Bills and ExpensesAdd, Edit, Delete Non-Monthly Bills and Expenses

Enter/Edit/Delete Non-Monthly Bills and Expenses:

To add a non-monthly expense, enter the name and the amounts due for each applicable month, and then tap the + button (may also appear as "Add" or "Add Expense" depending on the width of your device).

To edit a non-monthly expense in the list, select the entered expense from the menu. This will load the expense into the form for editing. When you're satisfied with the changes you've made, tap the S button (may also appear as "Save" or "Save Changes" depending on the width of your device).

To delete an expense from the list, select the entered expense from the menu. This will load the expense into the form for deleting. Tap the button (may also appear as "Delete" depending on the width of your device).

To clear the form to create a new expense entry, tap the C button (may also appear as "Clr" or "Clear" depending on the width of your device).

Important! The entered expenses are saved in your device's random memory (temporary storage), which means that if you surf to another calculator or close this browser window you will need to re-enter your expenses.

Non-Monthly Expense List:

Each entered expense will appear in this menu as you enter them.

To edit or delete an entered expense, select the expense from the menu and the calculator will load the expense's saved variables into the appropriate fields below this line. You can then either edit and save the changes, or you can delete the expense from your list.

0 Items
Exp name:Expense name:Non-Monthly household expense name:Non-Monthly household expense name:

Non-Monthly household expense name:

Enter a name (with no quotation marks) for the non-monthly expense you want to add (car insurance, car license, property taxes, vacation, gift giving, school clothing, school supplies, etc). Then enter any payments to the month fields they apply to, and then click the Add button.

MMonMonthMonthAmountMMonMonthMonthAmount
J:Jan:January:January:
J:Jul:July:July:
F:Feb:February:February:
A:Aug:August:August:
M:Mar:March:March:
S:Sep:September:September:
A:Apr:April:April:
O:Oct:October:October:
M:May:May:May:
N:Nov:November:November:
J:Jun:June:June:
D:Dec:December:December:
Annual:Annual total:Total annual expense:Total annual expense:

Total annual expense:

This is the total annual cost of all entered payments for the non-monthly expense you are adding or changing.

Monthly avg:Monthly average:Average monthly amount:Average monthly amount:

Average monthly amount:

This is the total annual cost of all entered payments for the non-monthly expense you are adding or changing, divided by 12 months.

Total Month-to-Month ExpTotal Month-to-Month ExpensesTotal Month-to-Month Non-Monthly ExpensesTotal Month-to-Month Non-Monthly Bills and Expenses

Total Month-to-Month Non-Monthly Bills and Expenses:

This section will display the monthly totals of all entered non-monthly expenses as you enter them. This section will also display a 1-year cash flow report showing you the month-by-month balance of your non-monthly expense account.

Note that if you want to print out a blank worksheet, tap the "Printer Friendly Worksheet" button before making any entries to the calculator (or after resetting the calculator).

Jan:Jan:January:January:Jul:Jul:July:July:
Feb:Feb:February:February:Aug:Aug:August:August:
Mar:Mar:March:March:Sep:Sep:September:September:
Apr:Apr:April:April:Oct:Oct:October:October:
May:May:May:May:Nov:Nov:November:November:
Jun:Jun:June:June:Dec:Dec:December:December:
Total annual:Total annual non-monthly:Total annual non-monthly expenses:Total annual non-monthly bills and expenses:
Total monthly average:Total monthly average:Total monthly average of non-monthly expenses:Total monthly average of non-monthly expenses:

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated
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Tip

Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.

 

Favorites

Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.