Sinking Funds and Savings Goal Tracker Spreadsheet
Save for up to 20 goals and see what to set aside per month and per paycheck. Excel and Google Sheets.
$5 on its own, or get it with 12 more home money spreadsheets in the Complete Household Money Bundle for $29.
Works in Google Sheets and Excel · Instant download · Nothing shipped
What you get
Real screenshots of the actual tabs, taken from the same .xlsx file you download. All numbers are example data.
Who this is for
- You're saving for several things at once, like car repairs, holidays or an emergency fund.
- You want to know how much to save per month and per paycheck to hit each date.
- You're fine logging deposits and withdrawals yourself.
Who it's not for
- Not for you if you want bank sync or automatic transfers.
- Not for you if you want to track investment returns. It tracks the balances you type in.
- Not for you if you want advice on where to keep your savings. It's a planning tool, not financial advice.
Need more than one?
This sheet is one of the 13 in the Complete Household Money Bundle. Get all 13 home money spreadsheets for $29 (about $69 if bought one by one).
Get the bundle on Payhip – $29 See what's in the bundle
Need the home and the business sets? The Everything Bundle (what's inside) has all 22 (21 spreadsheets + the website template) for $39, about $149 if bought one by one.
Instant download. Works in Google Sheets and Excel.
Instant digital download, sold through Gumroad. Good for: sinking funds, savings tracker, savings goals, google sheets, budget spreadsheet, emergency fund, excel template, savings challenge, budget planner, money tracker.
2 separate spreadsheets (.xlsx files) in one zip: Sinking Funds Savings Tracker v2, Sinking Funds Savings Tracker. Each works in Excel and Google Sheets (import the .xlsx) and opens on a Start Here tab with a short how-to.
How it works
- Download the zip after checkout and unzip it.
- Open each .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.
- Delete the example rows and type in your own numbers.
Previews and the files use example data only.
What's inside
- List up to 20 funds with a target amount, target date and starting balance.
- See how much to save per month, and per paycheck, to hit each goal on time.
- Log deposits and withdrawals with a fund dropdown; balances update automatically.
- Dashboard with totals, progress bars and a saved-vs-target chart.
Good to know
- It's a spreadsheet, not an app. No bank syncing; you type in your own deposits.
- Comes with example rows. Delete them before you start.
- Planning tool only, not financial advice.
Previews
Works in Google Sheets and Excel · Instant download · Nothing shipped
Try the free sinking fund calculator (how much to save per paycheck) →
Try the free holiday gift budget calculator →
Try the free emergency fund calculator →
Try the free savings growth calculator →
Try the free car affordability calculator →
Try the free moving out cost calculator →
Try the free discount calculator →
Frequently asked questions
Which apps does it open in?
Excel 2016 or newer (including Microsoft 365 and Excel for the web) and Google Sheets: upload the .xlsx to Google Drive, then open it with Google Sheets. You get one .xlsx file (Excel 2016+, Excel for the web, imports into Google Sheets) and a short how-to. Instant digital download.
What happens after checkout?
Gumroad emails you a receipt right after checkout; click View content in it to open your download page. You download a .zip with the .xlsx file(s) and a short how-to. It's an instant digital download; nothing physical ships.
Can I edit it?
Yes. Nothing is locked: rename categories, add rows, change colors and type over the example data.
Does it connect to my bank or send reminders?
No. It's a spreadsheet, not an app: you type in your own numbers and nothing is synced or sent.
Are the numbers in the previews real?
No. Previews and the file use example data only. Delete the example rows and add your own.
Can I get a refund?
It's a digital download, so if something doesn't open or work, reply to your Gumroad receipt and I'll help fix it. Refund requests are handled under Gumroad's refund policy. If you bought it on Payhip, message the shop there.
Is this financial advice?
No. It's an organizing and planning tool with example numbers, not financial, tax, legal or medical advice.
Works in Google Sheets and Excel · Instant download · Nothing shipped
Free guides that use this sheet
- Spring Break Budget 2027: Plan a Trip You Can Pay For
- Presidents' Day Sales Budget: Shop the Deals Without Regret
- How to Save $5,000 in a Year (Plus $1,000 and $10,000 Plans)
- How to Make a Sinking Funds Spreadsheet (Sheets or Excel)
- 2027 52-Week Savings Challenge: Dated Chart and Totals
- How to Plan Holiday Spending and Still Cover January
- How to Save for Several Goals at Once (Example Numbers)
- How to Save Money on a Tight Budget
Pairs well with
Monthly Bill Tracker ($5)
Keep regular bills separate from your savings goals.
Not ready to buy? Start with the free Starter Budget Sheet.