Sinking Funds Tracker

$4.50 $9 · Google Sheets + Excel · Instant download

Big expenses stop being emergencies when you save for them a little at a time. List the costs you know are coming, like car insurance, back-to-school, Christmas or vet bills, and the tracker calculates exactly how much to set aside each month. Visual progress bars show every fund filling up.

What's inside

Up to 20 sinking funds with goal dates
Automatic monthly contribution calculator
Progress bars and balance history for each fund
Withdrawal log to track what you spent
Printable sinking funds coloring trackers
Google Sheets and Excel

Perfect for

Families with yearly or seasonal expenses
Cash envelope and zero-based budgeters
Anyone tired of surprise bills

Who Sinking Funds Tracker is for

For families and budgeters who keep getting surprised by bills that only come once or twice a year. If car insurance, holidays, school supplies, vet visits or annual subscriptions keep wrecking your monthly plan, sinking funds turn those surprises into small, steady savings.

How to use it in 4 steps

List each upcoming expense with its target amount and due date.
Let the sheet calculate how much to set aside each month for every fund.
Record deposits and withdrawals as money moves in and out.
Check the progress bars monthly and adjust goals when prices change.

Format and compatibility

You get a Google Sheets link to make your own copy and an .xlsx file for Microsoft Excel. Both versions have the same tabs and formulas. Sheets works free in any browser and in the Google Sheets app on iPhone and Android, so you can update it from anywhere. Excel works on Windows and Mac.

Sinking Funds Tracker: frequently asked questions

What is a sinking fund?

It is money you save in advance for a known future cost, so the bill is already covered when it arrives.

Do I need a separate bank account for each fund?

No. Many people keep one savings account and use this tracker to know how much of the balance belongs to each fund.

How many funds can I track?

Up to 20, each with its own goal date and progress bar.

How do I get my files?

Right after payment you receive a download link at the email you entered at checkout. Save the files to your device and use them as often as you like.

Is anything shipped to me?

No. This is a digital product, so nothing physical is mailed.

Is this professional advice?

No. This product is for education and personal organization. For medical, tax, legal or financial decisions, please talk to a qualified professional.