Yearly Bills Planner How much do I set aside monthly so Christmas and the car insurance don't ambush me?

Christmas, the car insurance, the MOT, the vet. You know they are coming and they still arrive like bad news, because nothing was set aside. List them once and this works out the one monthly amount that covers all of them.

WHAT YOU GET

- One number to put aside each month, not twelve guesses

- Knows you are starting today, not in January

- Every month of the year ahead, and what lands in it

- Flags anything due soon that you cannot save for in time

- A printable plan you can stick on the fridge

HOW IT WORKS

1. List the lumpy ones — Only the bills that arrive as a lump — not rent or the phone.

2. See the year ahead — Twelve months, what lands in each, and how the pot builds.

3. Put the money aside — One amount a month and none of them are a shock again.

One file. Double-click it and it opens in the browser you already have — Chrome, Edge, Safari or Firefox. Nothing to install, no account, no subscription.

Nothing you type ever leaves your computer. There is no server involved, which is why it still works with the wi-fi switched off.

30-day refund, no questions asked.