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You need to save
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Tell us the goal and the deadline, and we will tell you the monthly amount. Or tell us what you can spare, and we will tell you the finish date.
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You need to save
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This calculator gives a simplified illustration, not financial advice. It assumes no interest on the money you set aside.
This is one goal, one snapshot. The Sinking Funds Tracker runs every pot together, each with its own target, monthly amount and finish date, and updates them as you pay in. One-time £9.99, in Google Sheets, with an optional AI coach.
See the Sinking Funds TrackerIt is money you save a little at a time for something you know is coming: Christmas, the car service, the annual insurance bill, a holiday. Instead of one painful hit in December, you put a small amount aside every month and the bill is already paid for when it lands.
A sinking fund is for expenses you can see coming and can put a date on. An emergency fund is for the ones you cannot: a boiler failing, a job ending. You want both, and you want them kept separate, because raiding the emergency fund for Christmas is how it never gets rebuilt.
Start with anything that arrives once a year and is big enough to hurt: Christmas, car tax, servicing and tyres, insurance renewals, birthdays, school uniform, holidays, vet bills. Most people find five or six pots cover almost every so-called unexpected expense they have had in the last two years.
Nothing breaks. Put the goal and the new date back into this calculator and it will tell you the revised monthly amount. That is the real advantage of a dated pot over a vague intention to save: you can see the cost of a missed month straight away and decide whether to catch up or move the date.
New to this? Read what a sinking fund actually is, or how much emergency fund you need.