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The whole year,
one steady amount.

Tuition, Yom Tov, camp, insurance, the simchas you know about: everything that does not come every month, on one calendar. Then the amount to put away each month, or each paycheck, so each one is already paid for when it lands.

The next 12 months · Yom Tov on its real dates · The tight month, named

Put in your year Start from your budget

FreeNo accountNothing leaves this device

Set aside each month

$0

Costs in the 12 months

$0

The tight month

None

Later years, a month

$0

The year, month by month Costs dueSet-asideThe fund

Your month

$/mo
After tax, for the whole household. Take-home pay works it out.
$/mo
Rent, food, utilities, maaser: what goes out every month. Leave out anything listed below.
$
Money in a separate account or envelope for the year ahead. Not your emergency fund.
Fine-tune 2 more inputs

Used for the amount from each paycheck. Paid every two weeks, two months of the year bring three paychecks; we count the real dates.

What is coming

Each cost for the year and the months it is due. Every amount starts as an illustration, not an average: type your own over it, set it to zero if it is not yours, and leave out anything already in your regular spending. Yom Tov falls in the month of erev Yom Tov.

The plan

Set aside each month

$0

A planning sketch, not advice. The amount is the smallest steady deposit that keeps the fund at or above zero after every month’s costs, counting each month as a whole. No interest is assumed.

Figures checked November 2026. Yom Tov dates are worked out on this device from the Hebrew calendar (diaspora) and match Hebcal’s 2026–2027 list. There are no official figures for these costs: the Yom Tov amounts are the Yom Tov budget’s example, tuition follows the budget planner’s $550 a month per child, and every other amount is an illustration.

Month by month

Each month’s costs are paid from the fund; what is left over is yours for the month. The tight month is where the fund runs lowest.

MonthComes inRegular spendingSet asideLeft overCosts due, from the fundFund after

How the number works.

One fund for the lumpy costs

  • Everything not monthly. Tuition on a ten-payment plan, Yom Tov, camp, insurance that bills once or twice a year.
  • Split by month. Each cost’s yearly amount is divided evenly over the months you mark.
  • Its own account. An automatic transfer on payday into a separate savings account keeps it apart.

The one amount

  • Solved, not averaged. For every month we find the deposit that would just pay for it and everything before it. The largest is the answer, rounded up to the dollar, so one dollar less runs short.
  • By paycheck. The same sum on your real paydays. Paid every two weeks, the months with a third paycheck carry the rest.
  • Later years. A twelfth of the year’s costs keeps pace once this year’s head start is spent.

When it does not fit

  • Start with the tight month. Moving one cost out of it, or paying it in two parts, often lowers the whole amount.
  • Ask about tuition. Twelve payments instead of ten smooths the summer; most schools have a scholarship committee.
  • Look at the monthly side. The budget planner shows which regular line has room.