How to turn weekly, yearly and quarterly bills into a monthly number

To get a monthly number: multiply a weekly amount by 52 and divide by 12, multiply a bi-weekly amount by 26 and divide by 12, multiply a quarterly amount by 4 and divide by 12, and divide a yearly amount by 12.

The formulas, with examples

How oftenFormulaExamplePer month
WeeklyAmount × 52 ÷ 12$60$260
Bi-weeklyAmount × 26 ÷ 12$120$260
QuarterlyAmount × 4 ÷ 12$150$50
Twice a yearAmount × 2 ÷ 12$300$50
YearlyAmount ÷ 12$600$50

Why weekly isn't times 4

A month is a little longer than four weeks. A $60 weekly cost times 4 is $240, but over a full year it averages $260. That $20 gap shows up in your budget every month.

Plan for big yearly bills

A $600 yearly bill can feel like a surprise if you only see it once. Setting aside its $50 monthly share gives you the money when the bill comes due.

Try the bill calculator

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Questions

How many weeks are in a month for budgeting?

Use 52 weeks divided by 12 months, which is about 4.33 weeks per month.

Should I include yearly bills in a monthly budget?

Including their monthly share gives a truer picture of what you spend. Divide the yearly amount by 12.

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This guide is general information, not financial advice. The numbers are examples.