Template 03

Sinking Funds Tracker Spreadsheet

Name each goal — vacation, car repair, Christmas, the emergency fund — set a target and a date, and the spreadsheet tells you exactly how much to set aside each month.

Get the template

Excel + Google Sheets
Instant download
One-time payment

The Sinking Funds Tracker dashboard: saved so far $1,165, funds need $529 a month, with $21 a month to spare.

From the file

Saved so far: $1,165
Funds need: $529/mo
To spare: +$21/mo
Funds: Up to 15

Example figures from the file. First win in the example: Christmas gifts, funded by Nov 2026.

The star feature

It tells you the monthly number.

Give a fund a target and a date and the sheet works backwards to the amount you need to set aside each month. Then it says where you stand in plain words: On track · Tight · Ongoing · Funded ✓. No guessing, no percentages to interpret.

Funds come in two kinds. Dated funds have a target and a deadline, and the monthly amount is calculated for you. Ongoing funds are a steady amount with no finish line — the emergency fund, the “car stuff” pot — and they’re tracked without pretending they end.

Across all your funds you get one figure: what the whole plan costs per month, and whether your savings actually cover it.

A look inside

What you actually get.

Every fund and its status inside the spreadsheet: on track, tight, ongoing or funded. — Every fund, its status

Being ready for a big expense before it lands, shown on the dashboard. — Never caught off guard

Saving on autopilot: the monthly amount calculated for each goal. — The monthly number

The Sinking Funds dashboard in the Midnight Pine dark theme. — Midnight Pine

Compatibility: Excel on Mac and Windows, Google Sheets on desktop and mobile. — Works everywhere

What’s included

Everything in the download.

Sinking Funds Tracker in Excel (.xlsx) and Google Sheets
Up to 15 funds, 8 preloaded as a worked example
Automatic “save this much per month” for every dated goal
Dated funds and ongoing funds, handled differently and honestly
Plain-language status on every fund: On track, Tight, Ongoing, Funded ✓
A total-saved dashboard across all your funds, with your first win called out
Light and “Midnight Pine” dark version, both in the file
Step-by-step Welcome Guide (PDF)

6 tabs

How the file is laid out.

Start Here
Setup
Dashboard
Dashboard (Dark)
Fund Planner
Tracker

Compatibility

ExcelMicrosoft 365 and 2019+, Mac and Windows.

Google SheetsFree — a Google account is all you need.

Nothing to installNo add-ons, no subscriptions, no extra software.

How it works

Four steps, once.

01
Download instantly
Two files land in your order email and your Payhip account.
02
Open in Excel, or make a copy
Open the .xlsx, or tap File ▸ Make a copy for Google Sheets.
03
Name each fund, set a target and a date
Only the clay-outlined cells. Or mark it ongoing and skip the date.
04
Read the monthly number
The tracker shows what to set aside each month, and how each fund is doing.

Questions

Before you buy.

How many funds can I track?

Up to 15, and you can rename every one. Eight come preloaded as an example — type over them.

What if a fund has no end date?

Mark it ongoing. It keeps a steady monthly amount and is tracked without a deadline.

Do I need Excel?

No. The Google Sheets version is free — a Google account is enough.

Can I edit it?

Yes, fully. Rename funds, change targets and dates, change the currency.

Will it work on my phone?

Yes, in the Google Sheets or Excel mobile app.

Is it a one-time payment?

Yes. Buy once, keep forever.

Something else on your mind? Write to sundayledgerbudgets@gmail.com.