Sinking Funds Tracker Spreadsheet, Paycheck Savings Goals

$6.99

Does your budget look fine most months, until the car needs repairs, the insurance renewal shows up or the holidays arrive and wipe out everything you saved? This sinking funds tracker spreadsheet spreads those bills out ahead of time. List each expense you know is coming, and it tells you exactly how much to set aside each month and each paycheck, which funds are on track and which ones need a catch-up. It works with Excel and Google Sheets.

What's inside

• Sinking_Funds_Tracker.xlsx: the blank workbook for your own funds
• Sinking_Funds_Tracker_EXAMPLE.xlsx: the same workbook filled in for a made-up household with 12 funds and six months of activity, so you can see it working before you start
• START_HERE.txt: what to open first and how to open it in Google Sheets
• Start Here: 8 quick steps, a color legend and what each status means
• Dashboard: total saved, total of all targets, % funded, needed per month, needed per paycheck, funds behind and next fund due, plus 4 charts (saved vs target, % funded, total saved over the last 12 months, deposits vs withdrawals) and a Needs attention list
• Setup: start month, pay frequency, an optional savings balance and monthly savings amount with a budget check, and up to 30 funds with category, target, date, repeat, amount already saved and priority
• Funds: still needed, months left, needed per month and per paycheck, % funded, status and catch-up for every fund
• Transactions: up to 1,000 deposits and withdrawals, with a flag if a withdrawal takes a fund below zero
• Monthly Plan: a 12 month set aside plan for each fund, with monthly totals
• Savings Check: your savings balance, the total set aside across all funds and your unassigned money
• A per paycheck amount for every fund, whether you are paid weekly, every 2 weeks, twice a month or monthly.
• A clear status for each fund: On track, Behind, Funded or Due now, with the exact catch-up amount when you fall behind.
• Yearly, quarterly and monthly bills roll to their next due date on their own once you log the payment.
• A Savings Check that compares your real savings balance with your funds, so you know how much is truly free to spend.

Who it's for

• Households saving for bills that do not come every month
• People who want a per-paycheck amount for each fund
• Anyone tracking sinking funds without a subscription

Before you buy