Sinking Funds Tracker Google Sheets
SINKING FUNDS TRACKER - GOOGLE SHEETS TEMPLATE
WHAT ARE SINKING FUNDS?
A sinking funds tracker is used to set aside smaller amounts of money regularly for upcoming known expenses, so you’re not caught off guard.
(The difference between the savings tracker and the sinking funds tracker is that the savings tracker can track withdrawals too.)
Examples:
- $50/month for Christmas gifts
- $30/month for car maintenance
- $20/month for back-to-school supplies
It helps you:
- Plan for non-monthly expenses
- Avoid using credit cards for big expenses
- Reduce stress when these costs pop up
How it works:
- You identify an upcoming expense (like a vacation, car repairs, or holiday gifts)
- You calculate how much you need and when you need it
- You divide that total by the number of months until your deadline
- You save that amount each month until you reach your goal
Common examples of sinking funds:
- Emergency fund
- Vacation fund
- Car maintenance and repairs
- Holiday/Christmas gifts
- Home repairs and maintenance
- Annual insurance payments
- Back-to-school expenses
- Medical expenses
THE PROBLEM: SAVING WITHOUT A PLAN
Tired of Failing at Your Savings Goals? You know you should be saving for that vacation, emergency fund, or new car.
But every month you're left wondering: "How much should I actually be setting aside? Am I saving enough? Will I reach my goal on time?"
Without a clear plan, saving feels overwhelming and you end up either saving too little (and missing your deadline) or too much (and struggling with your monthly budget).
THE SOLUTION: SMART AUTOMATED TRACKING
Introducing Your Personal Savings Calculator
Our SINKING FUNDS TRACKER is a powerful Google Sheets template that eliminates all the guesswork from saving. Simply enter your goal amount and target date, and it automatically calculates exactly how much you need to save each month.
Here's how it works:
1. Set your savings goal (vacation, car, emergency fund, etc.)
2. Choose your target date
3. The tracker instantly shows your monthly savings target
4. Log your monthly contributions
5. Watch your progress percentage grow toward 100%
KEY FEATURES THAT SET THIS APART
✨ What Makes This Tracker Special
🧮 AUTOMATIC CALCULATIONS
No more manual math or complicated formulas. Enter your goal and deadline, and instantly see your monthly target amount.
📊 VISUAL PROGRESS TRACKING
Input your saved amount each month and see exactly what percentage of your goal you've achieved. Stay motivated as you watch your progress bar fill up!
📅 FLEXIBLE FOR ANY TIMELINE
Whether you're saving for 6 months or 5 years, the tracker adapts to your timeline and gives you accurate monthly targets.
💼 MULTIPLE GOALS AT ONCE
Track several sinking funds simultaneously - vacation, car repair, holiday gifts, home improvement, and more.
📱 ACCESS ANYWHERE Google Sheets means you can check your progress and update your savings from your phone, tablet, or computer.
COMPLETE PACKAGE
🌟 Everything You Get
✅ Ready-to-use Google Sheets template (no setup headaches)
✅ Automatic monthly savings calculator
✅ Visual progress tracking with percentage completion
✅ Multiple goal tracking capability
✅ Clean, easy-to-understand dashboard
✅ Simple setup instructions included
WHO THIS IS FOR
🎉 Perfect For:
- Emergency fund builders who want to know they're saving enough each month
- Vacation planners who need to hit a specific savings target by travel date
- Holiday savers who want to avoid credit card debt during gift-giving season
- Anyone with a specific financial goal and deadline
TAKE ACTION NOW
🚀 Start Hitting Your Savings Goals Today Stop wondering if you're saving enough. Stop missing your financial deadlines. Get your Sinking Funds Tracker and turn your dreams into achievable monthly targets.
Ready to finally reach your savings goals? Your future self will thank you for taking action today.
----
Important Details:
📱 DIGITAL DELIVERY ONLY – This is a digital product delivered via instant download. No physical product will be shipped.
🔒 PURCHASE POLICY – Due to the digital nature of this product, all sales are final. No refunds available.
📋 TERMS OF USE – This product is licensed for personal use only. All content is copyrighted by Fanny Camota. Reselling, distributing, or sharing files is strictly prohibited without written authorization.
----
Check out more items in the LIVING RICHLY ON A BUDGET SHOP.