Sinking Funds Tracker for Google Sheets
Save little and often for the big expenses you can see coming, Christmas, the car service, the next holiday, so they never blindside your budget.
AI coach included · all 7 themes · works in any currency · yours for life
- ⚡Instant accessDelivered in seconds
- ♾️One-time purchaseNo subscription, ever
- 🛡️30-day make-it-rightNot happy? We'll fix it
- 🔒Secure checkoutCard, Apple & Google Pay
- Plan ahead
- AI coach
- 📘 Setup guide
- 7 themes
- Any currency
- Yours for life
Save a little each month for the big stuff.
A sinking fund is money you set aside gradually for expenses you know are coming, Christmas, the car service, the annual insurance renewal, the next holiday. The Sinking Funds Tracker lets you run as many of these as you like at once, putting a little away each month, so those predictable-but-painful bills are already paid for by the time they land.
New to the idea? Read what is a sinking fund for the full rundown, see the All-in-One Budget Planner for the whole picture, or the Debt Payoff Tracker if clearing debt comes first.
Run every fund at once
Christmas, the car, holidays, renewals, track unlimited sinking funds side by side, each with its own target and balance.
Know your monthly set-aside
See exactly how much to put away each month to have each fund full and ready in time.
Big bills, zero panic
When the expense finally lands, the money is already there, no scrambling, no reaching for the credit card.
Seven looks. One file. Zero static.
Tap a colour and watch the planner recolour in one click, switch as often as you like, your data never moves. All seven themes are included with every purchase.
Now showing the Cherry Burst theme, and every screenshot on this page changed with it.
Want the whole money picture?
The Sinking Funds Tracker is one focused slice of the All-in-One Budget Planner, thirty tabs, the full AI coach and a Financial Health Score, all in one file for £14.99.
From purchase to planning in four steps.
Buy & download
Your link arrives instantly after checkout.
Make your copy
One click saves the planner to your own Google Drive.
Set up in minutes
Currency, dates and your details, our Getting Started guide covers everything, including the AI coach.
Plan with your coach
Log your first entries and generate your first insights.
All you need
- A free Google account, the planner runs entirely in Google Sheets
- Any device: desktop, tablet or mobile
- A few minutes for one-time setup (our step-by-step guide covers it, including the AI coach)
- That's it. No software to install, nothing to subscribe to.
30-day make-it-right guarantee
If it's not right for you, tell us within 30 days and we'll make it right.
Your data stays yours
Your planner lives in your own Google account. The AI coach works through a provider you choose, and only ever sends figures and first names, never the full picture, and never to us.
Instant delivery
Your download link is in your inbox the moment you order.
Before you ask,
How does delivery work?+
Instantly. After checkout you get a PDF with a link to the Google Sheet, open it, click Make a copy, and it's yours.
What is the difference between a sinking fund and an emergency fund?+
An emergency fund is for the unexpected. A sinking fund is for the expected but irregular, like Christmas, the car service or annual insurance. This tracker handles your sinking funds.
How many sinking funds can I track?+
As many as you need. Add a goal, amount and deadline for each, and the tracker works out the monthly amount and your progress for every one.
Do I need anything besides a free Google account?+
No. It runs entirely in Google Sheets on any device. No software, no subscription.
Is the AI coach required?+
No, it's optional. Switch it on with your own free AI key, or leave it off, the tracker is fully featured either way.
Is my financial data private?+
Yes. The tracker lives in your own Google account. The optional AI coach only ever sends figures and first names, never the full picture, and never to us.
What if it's not right for me?+
Tell us within 30 days and we'll make it right.
Complete your set
Built to be loved, and backed by us.
Every planner is tested to work perfectly out of the box, comes with a step-by-step setup guide, and is covered by our 30-day make-it-right promise. Your data always stays private in your own Google account.
- ✅ Tested to work out of the box
- 📘 Step-by-step setup guide
- 🛡️ 30-day make-it-right promise
- 🔒 Private, in your own Google account
What really stands out is the built-in AI... real AI powered insights, this is it.
Ready when you are.
Download it now, set it up in minutes, and meet your coach tonight.
Get the planner for £6.9930-day make-it-right guarantee · instant download