diff --git a/TODO b/TODO
index fe3b45a..72add53 100644
--- a/TODO
+++ b/TODO
@@ -2,10 +2,8 @@ UI:
 
 For bills:
     Future bills:
-    * first pass for future bills done, but frequency is hard-coded and no growth - should at least add growth (easy enough)
-
-    * longer-term: make the moment we quit / own car trigger new bill creation, and remove hard-coded logic on costs - just use bill_data created
-        - this will then cover handling different bill_types or growth models
+        * longer-term: make the moment we quit / own car trigger new bill creation, and remove hard-coded logic on costs - just use bill_data created
+            - this will then cover handling different bill_types or growth models
 
     * might need to be able to mark a specific bill as an outlier - so we ignore the data somehow (think Gas is messing with my bills)
         - and even electricity, water, etc. for when we were away in Europe but mostly gas/elec
diff --git a/calc.py b/calc.py
index e0d616f..126c9b0 100644
--- a/calc.py
+++ b/calc.py
@@ -189,11 +189,15 @@ def calculate_savings_depletion(finance, bill_data, bill_type):
         # KLUDGE for future bills for now:
         # if I have quit, pay monthly future bills - assume 1st day of month for health ins
         if D_has_quit and current_date.day == 1:
+            health_ins = health_ins * 1+((health_ins_bt['ann_growth_simple'])/100)*12
             current_savings -= health_ins
 
         # once a year from when I quit, pay the phone bill (year I quit comes below)
         if D_has_quit and current_date.month == D_quit_date.month and current_date.day == D_quit_date.day:
-            current_savings -= phone_d
+            amt=phone_d
+            for y in range( D_quit_date.year, current_date.year):
+                 amt = amt * (1+phone_d_bt['ann_growth_simple']/100)
+            current_savings -= amt
 
         # Calculate daily interest but apply at the end of the month
         monthly_interest += current_savings * daily_interest_rate