Budget

Sinking Funds Tracker

25 category slots, a 12-month contribution grid, and a Google Sheet mirror. The answer to every r/budget thread asking "what app does sinking funds?" is on your fridge tomorrow morning.

$28  50% OFF — Launch Price

30-Day Money Back Guarantee • PDF + Google Sheet

Pairs with our sinking funds guide

25
Category Slots
12
Month Grid
PDF
+ Google Sheet
<10
Min to Set Up

What's Inside

Track every irregular expense in one place

Who It's For

This is for you if...

✓

Your emergency fund never grows because you keep tapping it for Christmas and car repairs

✓

You've asked Reddit what app does sinking funds and walked away confused

✓

You want to split one savings account into labeled funds without switching banks

✓

You're already budgeting but irregular expenses still blow up the plan

FAQ

Common questions

A sinking fund is money you set aside every month for a known future expense that isn't monthly. Christmas gifts, car maintenance, annual insurance, the next vacation. Instead of one big painful hit, you break the total into monthly contributions and the expense stops blowing up your budget.
A printable PDF with 25 category slots, a 12-month contribution grid for each fund, target vs actual columns, a yearly totals page, a starter menu of 25 pre-labeled funds (car, home, Christmas, travel, medical, and more), and a link to a Google Sheet mirror if you prefer digital tracking.
A budget planner covers monthly income and expenses. A sinking funds tracker only handles the irregular category: the once-a-year, once-a-quarter, and lump-sum expenses that blow up monthly budgets. Most people use both. The Monthly Budget Planner covers the month; this tracker covers the year.
Ideally yes. A high-yield savings account with sub-accounts (Ally, Capital One 360, Marcus) is the cleanest setup. If your bank doesn't support sub-accounts, one savings account plus this tracker works too. The tracker is the source of truth for how the pooled savings balance breaks down by fund.
Yes. The pack includes a link to a view-only Google Sheet with the same 25-slot structure. You copy it to your Drive, fill it in, and it auto-totals. Print, digital, or both.
Instant PDF download after checkout. You'll receive the download link by email within 60 seconds. The Google Sheet link is inside the PDF. Lifetime access to re-download.
30-day money-back guarantee. If the tracker isn't useful, email us for a refund. No forms, no questions.

Stop letting Christmas blow up your budget

25 slots. 12-month grid. Google Sheet mirror. Ready to print in under 2 minutes.

30-day money-back guarantee. No questions asked.

Related Articles