Sinking Funds Tracker Spreadsheet | Savings Goals, Monthly Plan, Contributions Log for Google Sheets

The car insurance bill is not a surprise. Neither is Christmas, the vacation, or the new tires. They only feel like surprises when the money was never set aside. A sinking fund fixes that: one pot per future bill, a little added every month, and this spreadsheet works out exactly how much "a little" is — (target − saved) ÷ months remaining — for every fund, automatically.

Transparency note: every design in our shop is AI-assisted then hand-finished — this spreadsheet was designed with AI assistance, then hand-built and formula-tested by our shop.

THE 6 TABS

• Start Here (Dashboard) — total target amount, total saved so far, total still to save, overall progress, funds fully funded, funds in progress, the total monthly amount needed across all funds, and total logged contributions — every number a live formula

• Funds — one row per fund: name, category, target amount, target date and starting balance. Saved So Far (starting balance plus every logged contribution), Remaining, Progress %, Months Remaining and Monthly Needed all figure themselves, with a FUNDED / IN PROGRESS status per fund

• Contributions — the deposit log: date, fund and amount. The Funds tab adds each fund's deposits up by itself with SUMIF — spell the fund name the same on both tabs and the math follows

• Monthly Plan — the payday answer, per fund: target, saved, remaining, target date, months remaining and the monthly amount needed, pulled live from the Funds tab, with the all-funds monthly total at the bottom

• Category Summary — targets, savings and remaining rolled up by category (Auto, Travel, Holidays, Insurance, Home, Tech) so you can see where the money is headed

• Settings — how every calculation works, in plain words

THE SAMPLE HOUSEHOLD

It comes loaded with one fictional household saving into 7 funds — Car Repair ($2,500), Vacation ($3,200), Holidays ($1,200), Annual Insurance ($1,800), Home Repairs ($5,000), New Laptop ($1,500) and Birthday Gifts ($300, already fully funded so a FUNDED fund is visible) — $15,500 of targets, a $3,000 head start, and 14 logged contributions bringing the saved total to $4,775. Holidays shows the biggest monthly push because its target date is closest; that is the monthly-needed formula doing its job. Watch every formula work, then delete the samples and type your own: formulas are pre-filled down 20 fund rows and 40 contribution rows, ready to go.

A FINISHED FILE, DELIVERED INSTANTLY

This listing is a digital item, delivered instantly as a file at checkout. The file is a finished template, ready to use as it is. If a formula or number in the file is wrong, message us and you'll receive a corrected copy free — forever, no time limit.

REQUIREMENTS: a free Google account. Your tracker lives in Google Sheets — nothing to install, and it is right there on your phone on payday, at renewal time and in the travel agent's office.

This is a digital product — no physical item will be shipped, and all sales are final (we can't accept returns or cancellations on digital downloads). Your files are available instantly after checkout. But don't worry: if anything isn't working right, message us anytime and we'll fix it for you — no time limit.