Sinking Funds

Save a little each month for big known costs: car repairs, Christmas, vacation, insurance.

Does the math for you
Works in Excel, Google Sheets and Numbers
Examples to show how it works
Instant download

Made in the USA · Jacksonville, FL

$5.95

Excel spreadsheet

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Instant download · your files are ready the moment you pay Secure checkout · payments by Stripe; we never see your card numberReal people · Affluency, LLC, Jacksonville, FL · 904-362-7083

About Sinking Funds

Sinking Funds does the math for you: the formulas and charts are already built in, so you just type in your numbers.

It works in Microsoft Excel, Google Sheets and Apple Numbers. For Google Sheets: upload the file to Google Drive, then open it with Google Sheets. Tip: keep a blank copy of the original so you can start fresh next month or next year.

Questions

How do I get my files?

Your download is ready the moment you pay, and the link is emailed to you too, so you can download it again later.

Is anything shipped?

No. This is a digital download, so there's no shipping cost and no waiting.

Do I need Excel?

No. It also works in the free Google Sheets and in Apple Numbers.

Questions or trouble with a file?

Real people answer: call or text 904-362-7083 (Affluency, LLC, Jacksonville, FL), or reply to your download email. We'll help you get it working.

Stop letting "surprise" bills wreck your budget

Car repairs, Christmas, back-to-school, the insurance bill that comes once a year. These aren't really surprises. We know they're coming, just not every month. A sinking fund means saving a little each month for each one, so the money is ready when the bill arrives.

How it works:

List each big expense, its cost and when it's due
The spreadsheet works out how much to set aside each month
Record what you save and watch each fund fill up
When the bill comes, pay it from the fund with no stress and no credit card

Common funds: car maintenance and tires, Christmas gifts, vacation, birthdays, annual insurance, property taxes, pet care and home repairs. Examples are included. Pair it with the Money Planner Bundle for monthly budgeting, the Christmas Gift List and Budget, and the Car Maintenance Log to see repairs coming.