🐖 Free download
Turn known future bills into small, automatic savings
List the costs you know are coming. The planner turns each one into a monthly and per-paycheck amount, then tracks what you actually set aside.
Sinking Fund PlannerExcel or Google Sheets (.xlsx)
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What is inside
- A planner that works out months left, monthly amount and per-paycheck amount for each fund
- Pay-schedule choices: weekly, every two weeks, twice a month, monthly or every four weeks
- A 12-month tracker to record what you actually saved
- A saved-versus-target chart and funded or past-due status flags
- Six example funds to show the format (overwrite or clear them)
Who it is for
Households and self-employed people who get hit by annual bills, holidays, repairs and trips, and want those costs to stop feeling like emergencies.
How to use it
- List each upcoming cost, amount and due date
- Choose how often you are paid
- Set up automatic transfers for the per-paycheck total
- Record what you save each month
This is a planning aid, not financial or legal advice. Check large decisions with your accountant or attorney.
More free tools: 13-Week Cash Flow Forecast · Invoice Follow-Up Template Pack