Sinking Funds Tracker Australia | Save per Pay for Rego, Christmas & Holidays + 52 Week Savings Challenge | Excel and Google Sheets

No app. No sign-up. No subscription. Yours to keep.

Includes a filled-in Example to show you how it works, and a clean Blank that's ready to use: nothing to clear first.

The big costs aren't surprises: rego, insurance, Christmas, holidays. Give each one a target and a due date, and this tracker tells you exactly how much to put aside each pay, counting your real paydays, and whether you're on track. Plus three savings challenges to keep you going.

What's inside
- Setup: how often you're paid (weekly, fortnightly, twice a month, every 4 weeks or monthly) and your next payday
- My Funds: up to 20 funds with target, due date and progress. Needed per pay, reached-around date, and On track / Behind. Yearly costs roll on to next year automatically
- Deposits: log money in, and money out when you pay the bill
- Overview: totals, overall progress and a chart
- 52-Week Challenge: classic or reverse, your own amounts, tick each week
- 100 Envelopes: the 100 envelope challenge with any amount per number
- Custom Challenge: any goal split into equal weekly, fortnightly or monthly deposits
- Start Here: a clickable index, with separate steps for Excel and Google Sheets

Amounts in Australian dollars.

Why you'll like it
- Every formula is tested before it goes in the shop
- Nothing is locked: change anything you like
- 2 looks (Soft and Classic), each as a Blank and a filled-in Example
- Works in Microsoft Excel and Google Sheets (free). Best on a computer; also opens on phone or tablet

Format: Excel files (.xlsx) that also open in Google Sheets, plus a quick-start PDF guide.
This is a digital download. No physical item will be sent.
Designed by SumItAllUp and built with the help of AI tools. Every formula is tested before it goes in the shop.
A planning tool, not financial advice. Always check amounts against your bank statements.
Questions? Send us a message: we're happy to help.