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How to turn any bill into a fortnightly amount
If you're paid fortnightly, the simplest way to budget is to turn every bill into a “per fortnight” number. Here's the maths:
| How often you pay it | Multiply by | Example | Per fortnight |
|---|---|---|---|
| Weekly | × 2 | $420 rent | $840.00 |
| Fortnightly | × 1 | $120 groceries | $120.00 |
| Every 4 weeks | × 0.5 | $80 subscription | $40.00 |
| Monthly | × 12 ÷ 26 | $65 phone | $30.00 |
| Quarterly | × 4 ÷ 26 | $390 power | $60.00 |
| Yearly | ÷ 26 | $780 car rego | $30.00 |
Why 26? There are 26 fortnights in a year. Halving a monthly bill makes it look bigger than it is, and that's how budgets drift.
Bonus tip: Put the per-fortnight total for your bills into a separate bills account every payday. Then the big quarterly and yearly bills are already covered when they land.
Fortnightly Bill Converter
A one-page sheet that does the table above for you. List your bills, choose how often each one comes, and see your fortnightly total. It's free when you join The Fair Fortnight.
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Handy free help (not ours, just good)
- National Debt Helpline: 1800 007 007 · ndh.org.au
- Mob Strong Debt Help: 1800 808 488
- Moneysmart (ASIC): moneysmart.gov.au, budget planner and debt guides