Sinking Funds Tracker Spreadsheet

Know exactly what to set aside for every goal, each month and each paycheck. List what you're saving for and when you need it; this tracker does the math and tells you which funds are on track and which are falling behind.

WHAT YOU GET

• My Funds: goal, need-it-by date and what you already have. Ten common funds are pre-filled (car repairs, Christmas, vacation, insurance, emergency fund and more)
• Per month and per paycheck for every fund: weekly, every 2 weeks, twice a month or monthly
• On track or behind, with the dollar amount you're short
• Deposits: one number per fund per month, a minus for money you spend from it. Or just type today's balance
• Dashboard: saved so far, what to set aside, funds on track, what's due next, and a chart of each month
• Checks in plain words, including whether your funds fit what you can save

HOW IT WORKS

1. List your funds with a goal and a date.

2. Pick how often you're paid.

3. Once a month, type what went in. It tracks the rest.

FORMAT

Excel (.xlsx). Works in Google Sheets (free) and Microsoft Excel. Opens with sample data so you can see it working; clear it in seconds. Formulas are protected (no password), so nothing breaks while you type. Instant download.

WHO MADE THIS

Built by someone who develops pricing and financial models for multi-million-dollar enterprise contracts for a living. Same discipline, made simple for saving for what's coming.

GOOD TO KNOW

• Digital download: nothing is shipped.
• For personal use. Please don't resell or share the file.
• For planning only, not financial advice.
• Questions? Message the shop or email tidyrate@outlook.com.