{"product_id":"sinking-funds-tracker-spreadsheet-monthly-savings-planner-excel-google-sheets","title":"Sinking Funds Tracker Spreadsheet | Monthly Savings Planner (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eNever be surprised by a big, predictable expense again.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\n\u003ch3\u003eThe Readiness Forecast\u003c\/h3\u003e\n\u003cp\u003eFor 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.\u003c\/p\u003e\n\n\u003ch3\u003eWatch your budget breathe\u003c\/h3\u003e\n\u003cp\u003eAs 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.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 7 connected tabs and 992 live formulas\u003c\/li\u003e\n\u003cli\u003eCapacity for up to 25 sinking funds\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — add each fund, target and due date\u003c\/li\u003e\n\u003cli\u003eDashboard — total target, total saved and monthly need\u003c\/li\u003e\n\u003cli\u003eFunds — all 25 funds with progress\u003c\/li\u003e\n\u003cli\u003eReadiness Forecast — on-track status per fund\u003c\/li\u003e\n\u003cli\u003eBudget Breathe — monthly contribution over time\u003c\/li\u003e\n\u003cli\u003eMethod Toggle — choose an adaptive or fixed contribution per fund\u003c\/li\u003e\n\u003cli\u003eNotes — reference and reminders\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAnyone caught off guard by annual or seasonal bills\u003c\/li\u003e\n\u003cli\u003ePeople who want to stop using credit for predictable costs\u003c\/li\u003e\n\u003cli\u003eBudgeters saving for several goals at once\u003c\/li\u003e\n\u003cli\u003eAnyone who wants calm, planned spending\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles 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.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting only. Figures shown are illustrative and depend on your inputs. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274180235457,"sku":null,"price":6.29,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8047919272_jfbu.jpg?v=1780071273","url":"https:\/\/spendflowstudio.com\/products\/sinking-funds-tracker-spreadsheet-monthly-savings-planner-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}