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Adding bills and fixed costs
How to record your regular bills and fixed outgoings so you can see exactly how much is left to spend each month.
Last updated: 2026-07-02
Once your income is in, the next step is recording the money that goes out no matter what. These are your bills and fixed costs, and adding them shows you exactly how much is left to plan with.
What counts as a bill or fixed cost
Fixed costs are the regular, largely predictable payments you make each month, such as:
- Rent or mortgage
- Utilities like gas, electricity, and water
- Council tax
- Insurance
- Phone and broadband
- Subscriptions
- Loan or debt repayments
If it turns up on a similar date for a similar amount each month, it belongs here.
Add each bill with its amount
Enter each bill as its own line with the amount you expect to pay. As you add them, SpendSquirrel subtracts them from your income and shows you the money left over. Watching that number settle is often the moment a plan starts to feel manageable.
Handling bills that are not monthly
Some costs arrive once or twice a year, like an annual insurance renewal. A helpful trick is to divide the yearly amount by twelve and set that aside each month, so the money is ready when the bill lands. You can read more in our guide on planning for irregular expenses.
Debt repayments
Treat your debt repayments like any other bill, a fixed amount decided before the month begins. This keeps your repayments protected rather than left to whatever happens to be spare at the end.