{"product_id":"sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel","title":"Sinking Funds Tracker Spreadsheet for Google Sheets and Excel","description":"\u003cp\u003e\u003cstrong\u003eSINKING FUNDS SPREADSHEET FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA 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 It tracks what's saved in each fund, what's withdrawn, and whether a fund is on schedule for its due date.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Behind: shows what a fund should hold by today's date, and the new monthly contribution that catches it up.\u003cbr\u003e✓ Raids: lists every withdrawal that didn't go to what the fund was for.\u003cbr\u003e✓ Refill: shows funds that were just spent and have restarted at zero with a new due date.\u003cbr\u003e✓ Reconcile: compares your funds with your bank balance and shows the gap between them.\u003cbr\u003e✓ Due soon: every fund due soon, nearest first, with what's saved and what's still needed.\u003cbr\u003e✓ Fund calendar: the next 12 months of fund due dates, so you can see which months are heaviest.\u003cbr\u003e✓ Per paycheck: splits each fund's monthly contribution across your paydays.\u003cbr\u003e✓ Priority: sets the order funds get funded in when there isn't enough for all of them.\u003cbr\u003e✓ Cost per year: shows the real yearly cost of a fund like a car, not just its monthly payment.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 34 TABS AND 72 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start with these: Home, Start here, Setup, Funds, Deposits, Withdrawals, Income\u003cbr\u003e✓ Your month: This month, Per paycheck, Behind, Priority\u003cbr\u003e✓ Coming up: Due soon, Fund calendar, Ready\u003cbr\u003e✓ Where your money is: Accounts, Reconcile, Interest\u003cbr\u003e✓ Spending and costs: Raids, Refill, Cost per year\u003cbr\u003e✓ The year: Months, Year, Categories, Milestones, Streak\u003cbr\u003e✓ Plan and decide: What if, Windfalls, Trade-offs, Starter funds\u003cbr\u003e✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn 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.\u003c\/li\u003e\n\u003cli\u003eAdd every fund once on Funds, with its target, due date and how often it repeats. Log deposits and withdrawals as they happen.\u003c\/li\u003e\n\u003cli\u003eEverything else fills in by itself. Home shows what's saved, what's due soon, and which funds are behind.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for desktop Excel on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF with the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003eThis 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.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":49043741245593,"sku":null,"price":13.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8643856505_k3rc.jpg?v=1790707901","url":"https:\/\/growlylabstudio.com\/products\/sinking-funds-tracker-spreadsheet-for-google-sheets-and-excel","provider":"GrowlyLab","version":"1.0","type":"link"}