$Sinking Fund Tracker
Free spreadsheet sample

Never get blindsided by a "once-a-year" bill again.

Car insurance, holiday gifts, the annual subscription, the trip you keep postponing. A sinking fund tracker turns each one into a small, calm monthly number — so the bill is already paid for when it arrives.

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Watch it in action

See how a sinking fund takes the stress out of big bills

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What's inside the sample

See exactly how much to save each month — for every goal.

  • A live dashboard with balance, % funded and a progress bar for each fund.
  • "Monthly Needed" works out what to set aside, based on how many months are left.
  • A transaction log with dropdowns, so deposits and withdrawals take seconds.
  • Status flags — Building, Fully Funded, or Due Now — so nothing sneaks up on you.
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How it works

Three steps, then it runs itself.

  1. List what you're saving for

    Name, target amount and target date. "Car insurance — $900 — June."

  2. Log money as you move it

    Each time you set cash aside, add one line. Pick the fund from a dropdown.

  3. Watch the dashboard

    It tells you what's on track, what's behind, and the exact amount to save this month.

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