How it works
You've been wondering about the real number for a while. Three steps turn that feeling into clarity — and clarity into confident choices.
Enter your fixed costs 1
Ready-made categories and items mean you're just filling in amounts — add your own whenever you need. Enter each cost the way it's actually billed, monthly, quarterly or yearly, and flag what's locked in versus what you could drop. The more complete your picture, the sharper every insight that follows.
Start with categories such as housing, utilities, transport, insurance, subscriptions and debt. Use the suggested items where they fit and add your own where they do not.
There is no need to convert everything to a monthly amount yourself. Enter each cost as it appears in real life and FixedCostReport does the conversion for you.
Get your free overview and PDF 2
The moment your costs are in, your overview is ready: your total, your biggest categories and a first look at the findings — plus a downloadable PDF of your data, all for free. Optionally add your income or pick a country to preview how you compare.
Your different payment periods are brought together into one yearly view, so you can see the full scale of your recurring costs rather than just the bills due this month.
You can review the result before paying anything. The free overview gives you the core figures and lets you check whether your input gives a realistic picture of your situation.
Unlock your full report 3
One payment turns the preview into your complete PDF. You get a personal link by email — edit your numbers and regenerate the report as often as you like for a week.
The full report goes beyond the headline total. It examines how your costs are distributed, which commitments have the greatest impact and where changes would make the biggest difference.
Your report remains editable for a week, so discovering a forgotten cost does not mean starting again. Update the figures and generate a new version of the report.
Built around how fixed costs actually work
A useful overview needs more than simply adding up a list of monthly bills.
FixedCostReport keeps costs in the period in which you actually pay them, while converting them into a consistent yearly picture. Monthly, quarterly and annual costs can therefore be compared without losing sight of when the money actually leaves your account.
You can also distinguish between costs that are effectively fixed and those you could change or cancel. The result is not just a total, but a structured picture of your recurring financial commitments and where you may have room to move.