Sinking fund calculator
Enter what each irregular expense costs per year. Put the monthly total into a separate savings account and pay those bills from it.
Do this every month in a spreadsheet
Monthly Budget Spreadsheet: Budget vs actual for every month, totals, left-over money and savings rate, plus a year summary that fills itself in. Works in Excel, Google Sheets and Numbers.
Excel and Google Sheets, formulas already set up. Instant download.
FAQ
What's a sinking fund?
Money set aside a little at a time for a known future expense, so it doesn't land on a credit card.
One account or many?
One savings account works; track each fund's share in a budget spreadsheet.
Want more free resources like this?
From Nova
- Personal Budget Plan & Workbook
- Sinking Funds Tracker — Printable
- Monthly Budget Planner — 12 Months, Printable
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