Sinking Funds Tracker Spreadsheet | Monthly Savings Planner (Excel, Google Sheets)

Never be surprised by a big, predictable expense again. Sinking funds work by spreading known costs like car insurance, property tax, holidays and vacations across the months before they are due, so you pay cash instead of reaching for credit. This tracker manages up to 25 funds and tells you exactly how much to set aside each month. Built with 7 connected tabs and 992 live formulas. Works in Excel and Google Sheets, with instant download.

The Readiness Forecast

For every fund it projects whether you will have the money in time, so an annual bill becomes a calm, planned payment rather than a scramble.

Watch your budget breathe

As funds reach their targets, your required monthly contribution drops, and the tracker shows that decline month by month so you can see your budget free up over time.

What you get

• Excel file with 7 connected tabs and 992 live formulas
• Capacity for up to 25 sinking funds
• Google Sheets compatible
• Quick Start Guide PDF
• Free lifetime updates

Inside the system

• Start Here — add each fund, target and due date
• Dashboard — total target, total saved and monthly need
• Funds — all 25 funds with progress
• Readiness Forecast — on-track status per fund
• Budget Breathe — monthly contribution over time
• Method Toggle — choose an adaptive or fixed contribution per fund
• Notes — reference and reminders

Who it is for

• Anyone caught off guard by annual or seasonal bills
• People who want to stop using credit for predictable costs
• Budgeters saving for several goals at once
• Anyone who wants calm, planned spending

Instant delivery

Files arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.

For personal budgeting only. Figures shown are illustrative and depend on your inputs. Designed and built by SpendFlow Studio.