Sinking Funds Tracker For Google Sheets

The Sinking Funds Tracker is Avery's tool for saving toward the expenses your monthly budget usually forgets. A sinking fund is simple — you put aside a small amount each month for a known future cost, so a $1,200 car repair or a $900 Christmas arrives as a planned withdrawal instead of a financial emergency. This tracker keeps every fund named, funded, and on pace in one Google Sheet.

Who it's for

• People who keep getting ambushed by car repairs, annual bills, or the holidays every single year.
• Budgeters who plan only one month at a time and want a way to handle irregular costs on purpose.
• Savers juggling several goals who want one balance split cleanly across named funds.
• Anyone tired of reaching for a credit card when a predictable expense finally lands.

What's inside

A pre-built Google Sheet with everything wired up:

• Funds list — a row per goal with target, due date, and the required monthly contribution.
• Contributions log — where each deposit lives (typed manually or synced by Avery).
• Dashboard — every fund's balance, progress, and amount remaining at a glance.
• Automatic math — required contributions, balances, and on-pace flags calculate themselves.

The honest part

A sinking funds tracker only works if the contributions are actually recorded. Most savings plans go stale because nobody wants to log every transfer by hand. This template assumes Avery handles that part — auto-syncing so contributions and balances stay current — so each fund is always accurate and you know exactly what's earmarked for what.

Want the full walkthrough with examples and common fund categories? Read the complete sinking funds tracker guide, or jump to the most-asked sinking funds questions. Saving toward one big goal instead? Try the Savings Tracker. Prefer a month-by-month plan to fund it from? Use the Monthly Budget template.