Sinking Funds Tracker

A tracker for the costs you already know are coming, that works out the monthly amount for you.

Enter what a fund will cost, what you have saved so far and the date you need it by. The sheet back-solves the contribution required each month, counts the months left, and marks the fund On track, Behind or Funded. A calendar adds every fund's requirement together month by month, so the heavy months are visible before they arrive.

WHAT'S INSIDE

Start Here — how the file works and which cells are yours

Funds — target, saved, target date, and the monthly contribution solved from them

Contributions — what actually went in, and when

Calendar — twenty-four months of required contributions across all funds, with a running total

THE PART NOBODY ELSE BUILDS

Most sinking fund sheets ask you for the monthly amount, which is the one number you do not have. This one asks for the target and the date instead and derives the contribution — and then re-derives it every time you log a deposit or move a date, so Behind means behind at today's balance rather than at the balance you started with. The calendar is the other half of it: knowing four funds each need €80 is useful, knowing that March needs €320 of it at once is the thing that changes what you do in February.

WHAT YOU GET

Excel workbook (.xlsx)

Google Sheets template — one click to copy

Setup instructions (PDF)

Walkthrough video — private link inside your download

Free updates for life

BEFORE YOU BUY

Works in Microsoft Excel and Google Sheets. No app, no subscription, no account. Built in EUR with ISO dates. Digital download — all sales final.