🧾 Household Bill Audit & Renewal Tracker
Household bills arrive on completely different cycles, which makes them almost impossible to compare in your head. List them here and every one is converted to the same monthly and annual basis, with a countdown to each renewal date and a straight comparison against any quote you have been given.
A cost-audit and diary tool for figures you enter yourself. It is not financial advice and not debt advice.
Your bills
Add up to 20. Only the amount and how often it is charged are needed — everything else is optional. A row left blank is ignored.
Your bill names, amounts and dates stay in this browser. They are not saved to your device by this page, not put into the web address, and never included in analytics. Closing the tab clears them.
How each bill is converted
- Every amount is multiplied by how many times it is charged in a year:
weekly × 52,fortnightly × 26,every 4 weeks × 13,monthly × 12,quarterly × 4,yearly × 1. - The monthly equivalent is
annual ÷ 12. It is an even twelfth of the year, not what leaves your account in a particular month. - Days to renewal counts whole days from today to the date you entered, worked out at local midnight so it does not drift by an hour.
- A quote is converted with the same multipliers, then compared as
current annual − quoted annual. A positive figure means the quote is lower. - Quotes that come out higher than what you pay now are totalled separately from those that come out lower, so a worse quote is never hidden inside a single net "saving".
Pick which bill to review first
The audit above is the useful part. If the list is long and you are putting it off, this wheel picks a starting point so you review one bill instead of staring at all of them.
🧾 Result
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Options on the wheel
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A worked example
Broadband at £32 a month is £384 a year (£32 × 12). A mobile contract at £9 a fortnight is £234 a year (£9 × 26) — a monthly equivalent of £19.50, which is not what most people guess from "£9 a fortnight".
Say you have been quoted £27 a month for the broadband: that is £324 a year, so the difference is £60 a year lower. If the mobile quote came back at £22 a month, that is £264 a year — £30 a year higher than you pay now, and the tool says so plainly rather than netting it off.
Before switching anything, check the exit fee on your current contract, the length of the new one, and whether the price rises partway through. A lower headline figure is not automatically a lower total.
Frequently asked questions
Why is my fortnightly bill not just double the monthly figure?
Because a year holds 26 fortnights but only 12 months. A £9 fortnightly bill is £234 a year, which is £19.50 a month — noticeably more than the £18 you get from doubling. Converting everything to an annual figure first is the only way to compare cycles honestly.
Does this tell me which bills to cancel?
No, and it deliberately will not. It is a cost audit, not advice. It does not rank bills by importance, does not know which ones are essential for you, and never suggests stopping a payment. What you do with the figures is your decision.
What if the quote I was given is worse than what I pay now?
It is shown as higher, in its own total, tagged separately in the results table. Hiding an increase inside a net figure would make the tool useless for the one job it has.
Are my bill names and amounts stored?
No. This page writes nothing to your device. Everything lives in the page while it is open and disappears when you close the tab, which is why there is a copy and a CSV export for anything you want to keep.
Is the CSV export safe to open in a spreadsheet?
Yes. Any text you typed that begins with =, +, -, @, a tab or a carriage return is given a leading apostrophe so a spreadsheet treats it as text rather than a formula. Calculated numbers, including genuine negative differences, are left as plain numbers you can still add up.
I am struggling to keep up with essential payments. Can this help?
This is only a calculator, and it is not the right tool for that. Free, regulated debt advice is available in most countries from independent charities and government-backed services, and speaking to them early usually gives you more options.
How the wheel works
How does the wheel pick a result?
The wheel selects a result at random before the animation starts, then calculates the exact rotation needed to land that result under the pointer. The displayed result always matches where the wheel visually stops.
Is every option equally likely?
Yes. Every option has an equal chance of being selected, using your browser's built-in random number generator with no weighting or bias.
Can I edit the options?
Yes. Add, remove, or edit any option using the text area on the right. Changes take effect on your next spin and stay only for your current browser session.