Known bills
List bills such as property tax, income tax, and insurance. Add an estimate and a due month for each bill. SyncingFund totals the estimates and calculates one monthly amount. Move that amount into a separate account.
Use this plan beside your regular budget. It covers large bills that do not arrive each month. Review the separate account each month and update an estimate when the amount changes.
Monthly check
Record the bill name, amount estimate, due month, and payment cycle.
Use an earlier target for taxes or any bill with an amount that can change.
A $3,600 annual bill needs $300 per month. A $900 six-month bill needs $150 per month.
Move the monthly total into a separate account. Use that account for the listed bills.
Check the account each month. Add money or change a target when the balance falls behind.
Worked example
This example shows the amount to save each month and the balance needed in May. The figures are estimates for the example.
| 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 | ||
The needed balance shows your progress. The ledger compares the account balance with the balance needed today. If you start during the year, close the gap with an initial deposit, a temporary increase, or a later target date.
Optional agent help
You can check the ledger yourself. An agent can run approved commands and show the records for your monthly review.
statusShow the monthly amount, needed balance, and current records. This command does not change data.
add / editAdd a bill or change its estimate, due month, or cycle.
paidRecord a payment for the current bill cycle.
rollMove a paid bill to its next cycle and update the ledger.
The broker permits only approved commands and keeps your sync code out of the agent. Use the browser for actions that delete data.
Pricing
The browser ledger is free on one device. Pay for device sync or optional setup help.
SyncingFund does not connect to your bank. You control the account and the transfers.
SyncingFund does not connect to banks. It does not provide financial or tax advice. It calculates monthly amounts and stores your records. Use a high estimate when an amount can change. Extra money stays in your account.