Hi Cindy, I have been making calendars for a hobby for family and friends for over 10 years. I started with printing the photo/months and taking them to get punched/bound at office stores to punching/binding myself.
As Ken mentioned you need to know what type of binding you would like to use (normally either coil or double loop wire) and start from there. Also, how much money you want to spend because a punch for coil or wire binding can get expensive. I use a Coilmac 3:1 wire punch/binding machine.
Also, when you are doing something like a 11x14 calendar you will probably have to make the calendar months/days yourself. There are some programs for printing months/days but I never liked the look they offered and make my own using Word. You can also find calendar templates, mostly for word, online.
The 11x14 gets tricky depending on the style you want. I make 13x19 calendars that have a 12x11 photo on the top of the page and the month on the bottom. I make the pages double sided so the calendar could be 6 pages, but I normally have a front page and back page so it ends up being 7 double sided pages. To hang this calendar I use a thumb punch and calendar hangers and bound with double loop wire on each side of the thumb punch.
I am not sure what you mean by a desktop calendar.
The easiest and cheapest way to start making your own calendars is to take a large stack of paper (8.5 x 11 double sided) to a printing store (like Kinko’s) and have them coil punch the paper only, on the 11” side. Then buy a box of spiral binding coils, normally they come in box of 100. Then print the months on one side of the paper and the photo’s on the other. You will need to pay attention on where you put the photo as the photo for February will be on the back side of the Month of January. You will also have to pay attention to the orientation as you might print the photo upside down. After you have the pages printed you can manually spin on the binding coil, cut them to length and bend the ends using pliers. On the opposite side of the binding punch a center hole for hanging.
The attachments are of an 8.5x11 andd 13x19 calendar. The 13x19 only shows the page, at the top it would be punched and bound as I mentioned above.
Tony