Sinking Funds Tracker

Stop letting yearly bills and planned costs catch you off guard. The Sinking Funds Tracker helps you save a little each month for the things you know are coming: car repairs, holidays, insurance premiums, vacations, property tax and more. Give each fund a target and a date, log what goes in and out, and the tracker tells you how much to save each month and whether each fund is on track. WHAT'S INCLUDED • Dashboard: total saved, total goal, % funded, your total to save per month, and how many funds are on track • Progress bar and status (Funded, On track, Behind, Past due) for every fund, plus a balance vs. target chart • Funds tab for up to 15 funds: target, due date, starting balance, money in and out, balance, still needed, months left and monthly amount needed • Contributions log with fund dropdown and In / Out (500 rows) • 12-month contribution grid with totals in, out and net saved, and a monthly chart • Start Here guide • Two files: a blank tracker and a filled-in example WORKS WITH • Microsoft Excel (2010 or later, Windows and Mac, and Excel online) • Google Sheets (free): upload the file to Google Drive and open it with Google Sheets HOW IT WORKS 1. Purchase and download instantly from your Etsy Purchases page. 2. Open the file in Excel, or upload it to Google Drive and open it in Google Sheets. 3. List your funds on the Funds tab, then log money in and out as you go. PLEASE NOTE • This is a digital download. No physical item will be shipped. • This tracker doesn't connect to your bank. You type in your own transfers. • Amounts are in US dollars ($). Currency formatting can be changed in your spreadsheet app. • For personal use. Please don't resell or share the file. • Not financial advice. How we make it: Every Penny & Pencil template and worksheet is designed in-house with AI-assisted tools, then each page, formula and answer key is checked and tested before it is listed. Questions? Send us a message. We usually reply within a day.