Bills like car insurance, school fees and gifts don’t come monthly, so they wreck the budget when they land. This planner turns each into a small monthly set-aside, ready on time.

WHAT YOU GET
• See every irregular bill for the year in one list
• Know the exact amount to set aside each month
• Watch each fund fill up with progress bars
• Know what’s truly left to spend after bills and savings
• Dashboard with charts: your year at a glance

INSIDE (6 connected tabs)
Start Here (10-minute setup, any currency) · Annual Expenses · Sinking Funds (up to 20) · Monthly Budget (12 months, transfers filled in for you) · Tracker · Dashboard

BONUSES
• Forgotten Expenses Checklist: 65 irregular costs people miss (PDF)
• 10-Minute Quick-Start Guide (PDF)

GOOD TO KNOW
• Works in Microsoft Excel and Google Sheets (free). No app, no subscription, no bank login
• Example data included so you can see how it works
• One-time payment, instant access
• 14-day money-back promise: message us within 14 days if it doesn’t suit you

Not for you if you want an app that syncs with your bank.

— Smart Tools