Sinking Funds Planner — Excel + Web App Access

Create unlimited savings goals, plan contributions, track progress, and keep future expenses visible. Your purchase includes the advanced Microsoft Excel workbook plus lifetime access to the matching Sinking Funds Planner module inside the mobile-friendly Excel Money Lab Planner web app. Open the app at https://excel-money-lab-planner.tammiemarkell.chatgpt.site. After checkout, copy the unique license key from your Payhip receipt or download page, open the app, select Activate purchase, and enter the key. No subscription and no bank connection required. This is an educational planning tool, not financial advice.