Templates › Savings & Sinking Funds Tracker

Free savings goals & sinking funds tracker

Tidy Sheets' Savings & Sinking Funds Tracker is a free sinking funds tracker spreadsheet for Google Sheets and Excel: saving toward goals and sinking funds, free. Price: Free. You get the blank template, an example copy and a printable PDF pack.

Free · Google Sheets + Excel (.xlsx) · printable PDF

Download free Or get it free on Whop

What it does

• Saved so far, still needed and progress bar per goal
• Months left and how much to save per month to make it on time
• Log deposits and withdrawals in seconds
• Free: no email needed
• Works in Google Sheets and Excel

What a sinking fund is

A sinking fund is money you set aside a little at a time for a cost you know is coming: car insurance, holidays, a new laptop, annual subscriptions. Divide the cost by the months left and save that each month, so the bill never hits all at once.

How the free tracker works

1. On Goals, type each goal, its target amount and target date.
2. Log every deposit or withdrawal on Log.
3. Goals shows saved so far, still needed, months left and how much to save per month to make it on time.

What's inside

• Start Here
• Goals (up to 20)
• Log (deposits and withdrawals)

Tested before listing

Recalculated in LibreOffice with zero formula errors, and the example numbers were re-computed independently in Python and matched (50 of 50 checks across the line, 2026-10-14).

Last updated 2026-10-14.