Savings Tracker / Sinking Funds

Savings tracker spreadsheet for sinking funds: save ahead for the big costs you know are coming, like car repairs, Christmas, insurance and vacations, and see for every fund what is saved, what is still needed, how much to put away each month and whether you are on track.

WHAT IT DOES

• Up to 20 sinking funds, each with a target amount, a target date, a start date and any money already set aside
• One list for deposits and withdrawals: date, fund from a drop-down, deposit or withdrawal, and the amount
• For every fund: saved now, still needed, share funded, months left, per month needed to reach the target on time, and a progress bar
• Status for every fund: on track, behind, funded or past due, measured against a straight-line plan from the start date to the target date
• Dashboard: total target, saved now, still needed, the total to put away each month, how many funds are on track or behind, and a chart of saved vs target
• Monthly tab: what went into each fund in each month of the year
• As of date: leave it empty to use today's date, or pick a date to see your funds as they stood then. Any year, any currency, room for 2,000 transactions

WHAT YOU GET

• Sinking-Funds-Tracker.xlsx (blank, ready for your own funds)
• Sinking-Funds-Tracker-with-Sample-Data.xlsx (a filled-in example: 12 funds, January to September)
• Quick-start guide (PDF)

HOW YOU GET IT

Digital download. After checkout you get a download page right away, plus a receipt by email. Nothing is shipped.

COMPATIBILITY

• Microsoft Excel 2016 or newer (Windows or Mac) and Excel for the web
• Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets
• Needs a computer or tablet with a spreadsheet app. This is not an app or a printable planner, and it does not connect to your bank

GOOD FOR

Anyone who saves ahead in separate pots and wants to know exactly how much each one needs per month, without doing the maths by hand.

PLEASE NOTE

A personal savings tool, not financial advice. For your own personal use; please don't resell or share the files.

DISCLAIMER

This template is a planning tool and does not replace advice from a qualified or licensed professional (such as an accountant, financial advisor or lawyer). Check the results before you rely on them.

HOW IT WAS MADE

Designed by VARS Digital with AI-assisted tools. Every formula is checked before release, and the sample file shows each tab working.

QUESTIONS

Email varsdigitals@gmail.com and we'll help you get set up.