Annual Expense Tracker Template
A free, copy-paste template to map every annual expense to the month it falls due.
Paste straight into Google Sheets, Excel, or Numbers. No signup, nothing stored.
| Expense | Category | Amount | Month due | Notes |
|---|---|---|---|---|
| Car insurance | Insurance | $1,320 | March | Re-shop first |
| Amazon Prime | Subscriptions | $139 | July | — |
| Domain & hosting | Software | $220 | September | — |
| Property tax | Housing | $3,400 | November | Set aside monthly |
| Costco membership | Shopping | $65 | January | — |
| — | — | — | — | — |
Map each yearly cost to its month
Annual expenses — insurance, memberships, domains, property tax — only appear once, which makes them the easiest to forget and the most likely to blindside you. Put each one in the month it's charged, then scan the year for the heavy months.
Turn lumps into a plan
Once you can see which months are expensive, you can set aside for them in advance instead of scrambling. Add a note like “re-shop first” on the ones worth reviewing, and check the list at the start of each month.
This works for a household or a business. Recurrings keeps the same yearly view current automatically — the template is where to begin.
Common questions
Why track annual expenses specially?
Yearly costs — insurance, domains, memberships, taxes — only appear once, so they're the easiest to forget and the most likely to blindside you. Mapping each to its due month turns surprises into a plan.
How do I use the month column?
Put each expense in the month it's charged, then scan the year for heavy months. It's how you smooth out the lumps and set aside for them in advance.
Personal or business?
Both — the same template works for household annual costs and for a business's yearly contracts and renewals.
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Monthly Recurring Expense Calculator
Every recurring expense in one monthly and yearly total.
Subscription Tracker Template
Copy-paste tracker for subscriptions, costs, and renewal dates.
No more once-a-year surprises
Recurrings surfaces every annual charge before it hits — even the ones that bill once and hide for twelve months.
recurrings.ai is in private beta. No card required.