Sinking Funds Tracker Google Sheets, Save by Paycheck, Christmas and Bill Savings Planner, Dark Mode

Sinking funds tracker for Google Sheets: know exactly how much to set aside from every paycheck so Christmas, car insurance and yearly bills never catch you off guard. Two looks included: Sage and Dark Mode.

🌱 WHY IT WORKS
The bills that wreck a budget aren't the monthly ones. It's the car insurance every March, the property tax in January, Christmas in December. A sinking fund saves a little every payday, so when the bill comes the money is already there.

🙋 WHO IT'S FOR
✔ You're paid weekly, every two weeks, twice a month or monthly
✔ Yearly and seasonal bills keep landing on your credit card
✔ You want one number: how much to set aside this paycheck
✔ You like seeing progress bars fill up

⭐ WHAT IT DOES
✔ Per paycheck, worked out for you: target minus what you have, spread over the paychecks left before the due date
✔ Your pay schedule: weekly, every two weeks, twice a month or monthly
✔ Due dates or ongoing funds (car repairs, vet)
✔ Deposits log: money in, and money out when you spend from a fund
✔ Progress dots and a status for every fund: On track, Funded, Due now

🎨 TWO LOOKS, ONE PRICE
✔ Sage: soft green and cream, calm and bright
✔ Dark Mode: dark surfaces with green and warm gold, easy on the eyes at night

📘 WHAT'S INSIDE (5 tabs)
✔ Dashboard: set aside per paycheck, saved so far, still needed, next due, every fund with progress, and a chart
✔ Funds: up to 20, with category, target, due date and notes
✔ Deposits: up to 300 entries
✔ Phone tab: your per-paycheck amount, a chart and each fund for the free Google Sheets app
✔ Instructions
✔ Yellow (Sage) or gold (Dark Mode) cells = you type. Everything else is automatic

🎁 FOUR COPIES INCLUDED
For each look you get an Example, pre-filled so you can see how it works, and a Blank to start for real.

💡 HOW IT WORKS
Instant digital download: a PDF with your copy links, plus a scannable code for each. Sign in to Google, click a link, choose Make a copy, and add your funds. Your per-paycheck amount fills in by itself.

📌 GOOD TO KNOW
• Google Sheets only (not Excel). A free Google account is all you need.
• Works in any currency with one setting.
• No bank login. Your numbers stay in your own Google Drive.
• Instant download, so no returns. If anything doesn't work, message us and we'll make it right.
• For personal use. Not financial advice.

🌿 MORE DIMESPROUT SHEETS
• Paycheck Budget Planner: https://www.etsy.com/listing/4583208149/paycheck-budget-planner-google-sheets
• Debt Payoff Tracker: https://www.etsy.com/listing/4583068906/biweekly-debt-payoff-tracker-snowball
• Live Net Worth Tracker: https://www.etsy.com/listing/4583159097/live-net-worth-tracker-stock-and-crypto
• Investment Portfolio Tracker: https://www.etsy.com/listing/4583159651/investment-portfolio-tracker-live-stock
• All five in one bundle (save almost half): https://www.etsy.com/listing/4583233329/budget-spreadsheet-bundle-google-sheets

💬 QUESTIONS?
Message us any time, we're happy to help.