The Sinking Funds Planner turns every “surprise” bill into a small, steady monthly amount. Tick your irregular costs, set up your funds, and the spreadsheet works out how much to set aside each month — and whether you are on track.
Who it is for
Anyone whose budget gets knocked off course by car bills, birthdays, school costs, renewals or holidays.
What's inside (10 tabs)
- Cover — the planner at a glance
- Start Here — The 3 steps and an index that jumps to every tab.
- Settings — Currency, start month (month 1) and this month.
- Example — Six filled funds, five months in, and the Radar’s top costs.
- Irregular Expenses Radar — 70 once-in-a-while costs to tick, with the monthly amount and a 12-month calendar.
- Sinking Funds — Target, month needed, per month, saved so far and on-track status for up to 15 funds.
- Contributions — What you put into each fund, each month, with plan vs actual.
- Progress Charts — Saved vs target per fund, and total saved month by month.
- Printable — A paper sinking funds tracker.
- Next Step — The other five tools in The Money Planner Bundle.
The signature feature: irregular expenses radar
70 pre-filled once-in-a-while costs (car, gifts, school, renewals, pets, health, travel…). Tick yours, add the month and amount, and the sheet calculates the exact monthly amount plus a 12-month calendar of when each one hits — with the biggest month highlighted.
4 bonuses (each its own file)
1. Printable sinking fund envelopes and trackers — 12 named + 2 blank trackers and a fold-your-own envelope template
2. Christmas & gifts budget planner — filled example + blank, fillable
3. Car costs planner — yearly and monthly car costs + a service and repair log
4. Back-to-school budget page — per child, filled example + blank
Also included
- 6 colour themes: Sage, Dusty Blue, Blush, Soft Lilac, Neutral and Dark
- A sample-data copy with 21 costs ticked and six funds, five months in
- A filled Example tab
- A 2-page Quick Start
- Undated: months numbered from your start month, any currency
Formats
Microsoft Excel (.xlsx) and Google Sheets (copy link in the Quick Start). Printables in A4 and US Letter.
How you get it
Instant download after checkout: one ZIP with the planner, the colour themes, the sample-data copy, the Quick Start and the 4 bonuses.
Want the whole set? The Money Planner Bundle has all six money tools:
https://getmoreguide.com/the-money-planner-bundle/
This planner does arithmetic and organisation only. It is not financial advice.
