2027 Sinking Funds & Savings Challenge Tracker, Google Sheets & Excel Savings Spreadsheet, 52 Week Challenge, 100 Envelope Challenge

Stop letting "surprise" expenses wreck your budget. Plan for car repairs, holidays, insurance, vacations and more with sinking funds, and see exactly what to set aside each month and each paycheck.

WHAT'S INSIDE (7 tabs)

• Start Here: quick step-by-step instructions

• Fund Setup: up to 12 sinking funds, each with a goal, starting balance, start date and target date. The sheet calculates the amount needed per month and per paycheck (weekly, biweekly, semi-monthly or monthly pay)

• Monthly Contributions: a 12-month grid with year totals and a check against your plan

• Fund Dashboard: total saved, % funded, progress bars and a Funded / On track / Behind status for every fund

• Withdrawals Log: 100 rows. Fund balances go down automatically when you spend from a fund

• 52-Week Savings Challenge: classic ($1 up to $52) and reverse ($52 down to $1) versions, with a ✓ tick box for each week, a custom start date and a multiplier

• 100 Envelope Challenge: a 10×10 envelope grid that turns green as you tick ✓ each envelope, with a $5,050 goal (or set your own multiplier)

FEATURES

✔ Works in Google Sheets (free) and Microsoft Excel 2016+

✔ Formulas are protected so nothing breaks. Just fill in the yellow cells

✔ Example data is included so you can see it working, then clear it in seconds

HOW TO OPEN

Google Sheets: upload the .xlsx to Google Drive, open it with Google Sheets, then File > Save as Google Sheets.

Excel: open in Excel 2016 or newer.

Apple Numbers is not supported.

YOU RECEIVE

• 2027-Sinking-Funds-Savings-Challenge-Tracker.xlsx

• Quick-Start Guide (PDF)

PLEASE NOTE

• Digital file for personal use only. Please don't resell or share it.

• This is a savings tool, not financial advice.

Instant digital download. 14-day refund policy. Questions: goodspress@mail.grokbot.com