As of 13 August 2026, AI can budget for annual bills.

What to actually do

1. Do it yourself

   The route this page recommends

   A chat interface, no skill needed, and roughly 15 minutes until you can act on the result.

   How to actually do it

   1. Open your latest bills, renewal notices and bank statements, and make a list of every annual or irregular payment with its amount, due month or date, and whether the figure is fixed or estimated.
   2. Remove account numbers, passwords and other unnecessary private information, then add your monthly take-home income, regular essential spending and any savings already earmarked for particular bills.
   3. Paste the list and the prompt into a chatbot, replacing each bracketed slot with your figures and writing "none" where a section does not apply.
   4. Ask the chatbot to keep uncertain amounts separate from confirmed amounts and to show the calculation for each monthly sinking-fund contribution.
   5. Compare every bill amount and due date in the response with the original bills and your bank statements, correcting any mismatch before relying on the schedule.
   6. Transfer the verified monthly total into your budgeting method, such as a bills pot or separate savings pot, and update the plan when a bill changes or is paid.

   Prompt

   Help me build a UK household budget for annual and irregular bills. Use pounds sterling and invent nothing. I will provide a list of bills with the bill name, amount, due month or date, and whether the amount is fixed or an estimate, plus my regular monthly take-home income, essential monthly spending, current savings for bills, and any months when income or spending changes.
   
   First, put the bills into a table and flag missing, unclear or estimated figures. Then calculate how much I should set aside each month for each bill and in total. Show the calculation for every bill, taking account of the due date and any savings already held for that bill. Create a month-by-month cash-flow schedule showing when money should be set aside and when each bill is due. Keep known figures separate from estimates, use ranges where an amount is uncertain, and do not assume that bills are paid monthly. Do not recommend investments, borrowing, financial products or tax treatment. Do not access or request account passwords, full account numbers or other unnecessary private information. End with a short checklist of figures and dates I need to verify against my bills and bank statements.
   
   My information:
   - Monthly take-home income: [amount]
   - Regular monthly essential spending: [amount]
   - Current savings set aside for annual bills: [amount, with the bill it belongs to]
   - Income or spending changes by month: [details or none]
   - Annual and irregular bills: [bill name, amount, due month or date, fixed or estimated, and any relevant notes]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.

2. Use a tool built for this

   Second choice

3. Hand it to a person

   The distant third

   A person who owns the outcome does this end to end, worth it when the failure is dear.