SyncingFund is a method to help you pay yourself first. List the bills, divide each one by the months in its cycle, and move a single total into a separate account each month. Property tax, income tax, and insurance are then funded before they arrive. Pick the tool that fits how you work.
Free to read. Five rules and a monthly check.
One row per bill. The arithmetic is already in it.
The browser ledger, with the balance you need today.
Approved commands for the monthly check.
The same ledger from a terminal.
Setup from your records, then a review each month.
Known bills
A September bill is complete on August 31st. It can arrive on the 1st or the 30th. It can arrive higher than you expected. The amount is already there.
The five rules
September bill, complete August 31st.
Target January, not April.
$3,600 a year is $300 a month.
One separate account, untouched.
Monthly amount times months saved.
When an amount changes each year, estimate high.
Your list
These four first. Add gifts, vacations, and annual renewals later.
Property, school, and income tax past withholding.
Home, auto, life. Auto usually runs six months.
Registration, inspection, expected maintenance.
Deductibles, dental work, glasses.
Worked example
What Dana saves each month, and the balance to hold in May.
| Known bill | Amount | Cycle | Monthly amount | Balance needed |
|---|---|---|---|---|
| Township tax | $3,600 | 12 months · due September | $300 | $2,700 |
| Income taxes | $18,000 | 12 months · target January | $1,500 | $7,500 |
| Auto insurance | $900 | 6 months · due July | $150 | $750 |
| Your monthly amount | $1,950 | $10,950 | ||
Starting mid-year? Most rows will show money you should already hold. Close the gap with a deposit, a higher rate for a while, or a later target. Nearest due date first.
Every month
Step four is the one that matters. It keeps the record and the account equal all year.
Read the bill
You hold the money early, so the early prices are yours.
Tax bills print a discount, a face value, and a penalty. Take the discount.
One yearly payment usually costs less than twelve monthly ones.
Use the real deadline, not the one you remember.
New fees and dropped coverage show up on the bill first.
If the number does not fit
Add the monthly amount to your expenses. If nothing is left, cut an expense, raise income, or start with the two bills that would hurt most.
Do not move these bills to a credit card. The bill arrives either way, and the card adds interest to it.
Optional agent help
Four approved commands. You can also do it yourself.
statusShow the amount, the balance needed, and the records.
add / editAdd a bill or change one.
paidRecord a payment.
rollMove a paid bill to its next cycle.
The agent never sees your sync code, and deletions stay in the browser.
Pricing
Pay only for sync across devices, or for setup help.
No bank connection. You hold the account and make the transfers.
SyncingFund does the arithmetic and keeps the records. It does not connect to banks, and it is not financial or tax advice.