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Breaking point request sum each year [closed]

whats the most ideal approach to draw a line request sum each year. possibly I can utilize the client creation date and add each time long term? badly set a client meta for the maximum aggregate sum per year.

example:

account made 19. august 2021

till 19. august 2022 he can arrange for an aggregate sum of 500 usd

after the 19. august 2022 he can arrange again for an aggregate sum of 500 usd till 19. august 2023.

maybe somebody have a thought, whats the most ideal approach to fabricate my function.

ty very much