Sinking Funds Tracker & 2027 Annual Budget Planner | Excel Template

Plan your whole 2027 and never be surprised by a big bill again.

This Excel planner combines a full-year budget with sinking funds, so you save a little every month for the expenses you know are coming.

WHAT IT TRACKS

• Income and expenses by category, every month

• Budget vs actual with over-budget warnings in red

• Sinking funds: goal, target date, amount saved and what to save each month

• Money left over and your savings rate

WHAT'S INCLUDED

• Setup sheet for up to 8 income and 20 expense categories

• 1,000-row transaction log (income, expense or fund deposit)

• 12-month Budget vs Actual grid with yearly totals

• Up to 15 sinking funds with automatic monthly savings amount and progress bars

• Dashboard with income vs spending and fund progress charts

• Sample data and a Start Here guide

BEST FOR

Individuals, couples and families who want one yearly money plan without budgeting apps or subscriptions.

FORMAT

Microsoft Excel (.xlsx), no macros. Instant digital download; no physical item.

SAVE WITH THE BUNDLE

Get this template plus 6 more (Trading Journal, 2027 Budget, Paycheck Planner, Student Planner, Net Worth Tracker, Habit Tracker and GLP-1 Tracker) in the LaunchKit 2026 Planner Bundle for $19.99: payhip.com/b/qr7Et

FAQ

What exactly do I get?

Sinking funds tracker + 2027 annual budget in Excel: budget vs actual, 1,000-row log, up to 15 sinking funds with auto monthly savings.

What do I need to use it?

Microsoft Excel on Windows or Mac (Excel 2016 or newer, or Microsoft 365). It also opens in free Google Sheets, though Excel is recommended.

How do I get it?

It is an instant digital download: right after payment you get the file on the page and by email. No physical item is shipped.

What if it is not right for me?

Contact me through my Payhip store within 30 days and I will refund you - no hard feelings.

I have a question

Use the contact link on my Payhip store page and I will help.