Sinking Funds Tracker Spreadsheet for Google Sheets and Excel

SINKING FUNDS SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

A sinking fund tracker for saving toward costs that aren't monthly, like car insurance or the holidays. It tracks what's saved in each fund, what's withdrawn, and whether a fund is on schedule for its due date.

📊 WHAT IT DOES

✓ Behind: shows what a fund should hold by today's date, and the new monthly contribution that catches it up.
✓ Raids: lists every withdrawal that didn't go to what the fund was for.
✓ Refill: shows funds that were just spent and have restarted at zero with a new due date.
✓ Reconcile: compares your funds with your bank balance and shows the gap between them.
✓ Due soon: every fund due soon, nearest first, with what's saved and what's still needed.
✓ Fund calendar: the next 12 months of fund due dates, so you can see which months are heaviest.
✓ Per paycheck: splits each fund's monthly contribution across your paydays.
✓ Priority: sets the order funds get funded in when there isn't enough for all of them.
✓ Cost per year: shows the real yearly cost of a fund like a car, not just its monthly payment.

📂 WHAT'S INSIDE: 34 TABS AND 72 CHARTS

✓ Start with these: Home, Start here, Setup, Funds, Deposits, Withdrawals, Income
✓ Your month: This month, Per paycheck, Behind, Priority
✓ Coming up: Due soon, Fund calendar, Ready
✓ Where your money is: Accounts, Reconcile, Interest
✓ Spending and costs: Raids, Refill, Cost per year
✓ The year: Months, Year, Categories, Milestones, Streak
✓ Plan and decide: What if, Windfalls, Trade-offs, Starter funds
✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, fill in the shaded cells: your name, household size, and the settings for due soon, behind schedule, big funds and your savings budget.
3. Add every fund once on Funds, with its target, due date and how often it repeats. Log deposits and withdrawals as they happen.
4. Everything else fills in by itself. Home shows what's saved, what's due soon, and which funds are behind.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel on Windows or Mac
✓ A filled example to look around, and a blank copy for your own data
✓ A PDF with the links and the first steps
✓ A video guide for this planner (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No add-ons, no subscription, no bank connection.
✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.
✓ Best on a computer. The Google Sheets app works for quick entries on your phone.
✓ Amounts show in dollars. The formulas work the same in any currency.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.
This planner is a tool for your own records, not financial advice.