Savings & Sinking Funds Tracker

The Spreadsheet That Turns "I Should Be Saving" Into "I'm Saving"

The difference between wanting to save and actually saving is a system. Not motivation. A structure. The Savings & Sinking Funds Tracker builds that structure — 15 individual fund slots, progress bars, contribution planning, and a full-year trajectory chart.

WHAT'S INSIDE (4 Tabs, 154 Formulas)

Savings Dashboard — 4 KPI cards, 15 fund slots with progress bars, pie and bar charts. Monthly Contributions — 15-fund by 12-month planning grid with cumulative trend line. Contribution Log — 60-row ledger tracking every deposit by fund, source, and date. How To Use — Full sinking fund explainer and setup guide.

WHO THIS IS FOR

• You've been meaning to build an emergency fund but don't know where to start
• You're tired of holiday spending and car repairs catching you off guard
• You want to save for multiple goals at once without losing track
• You like seeing visual progress — the bars and charts matter to you

THE DETAILS

• Format: Google Sheets
• Formulas: 154 pre-built with sample data
• Color System: Warm steel blue and sand with sage green progress indicators
• Skill Level: Beginner

Every dollar you save on purpose is a dollar that stops being an emergency.