# Annualiser

> Annualiser is a free UK savings calculator for annual and irregular bills. You list the bills you know are coming — car insurance, Christmas, the MOT, the boiler service — and it divides each one by the number of months before it lands, then adds those up into a single amount to put aside each month.

Annualiser is a web app, not a publication. The pages below are the parts worth citing:
the calculator itself, a catalogue of the annual bills UK households actually have with
guidance on when each one is cheapest to renew, and answers to the questions people ask
about spreading irregular costs across the year. Amounts are pounds sterling. Nothing here
is regulated financial advice.

## Pages

- [Home](https://annualiser.com/): A free, simple budgeting tool for big bills. Car insurance, Christmas, the MOT — add what’s coming and see how much to put away each month.
- [Annual bills checklist](https://annualiser.com/annual-bills-checklist.md): Every annual and irregular bill worth saving for, grouped and ranked — plus when to start shopping around for each one before it renews.
- [Blog](https://annualiser.com/blog.md): How to budget effectively, question by question: which method to use, converting weekly and yearly costs to a monthly figure, the irregular bills people forget, when to switch, and how advanced budgeters fund depreciating assets like cars and phones.
- [FAQ](https://annualiser.com/faq.md): How the monthly figure is worked out, what counts as an annual bill, what happens to overdue bills, and what Annualiser Plus adds.
- [Terms and conditions](https://annualiser.com/terms): The terms you agree to when you use Annualiser: that it is a calculator rather than financial advice, how accounts and Annualiser Plus work, what we do with the bills you enter, and the limits of our liability.

## How the calculation works

For each bill: monthsRemaining = (dueYear - thisYear) * 12 + (dueMonth - thisMonth).
If monthsRemaining is 1 or more, the monthly saving is the bill amount divided by
monthsRemaining, rounded up to the penny. Each bill is rounded up before the bills are
summed, so the total is never short. A bill due this month or already overdue is excluded
from the monthly figure and reported separately as "needed now".

## Notes

- Annualiser never connects to a bank account and does not categorise spending.
- The free tier is the bills calculator. Annualiser Plus adds a monthly budget that each
  bill’s saving flows into automatically.
- Signed-in pages (/app, /budget, /account, /upgrade) are private and not indexed.