Sinking Funds Tracker Spreadsheet, Savings Goal Planner, Google Sheets, Excel, Printable PDF

Stop being surprised by 'once a year' expenses. Set a goal and date for each fund, and the tracker tells you exactly how much to save each month.

WHAT'S INCLUDED
- Sinking Funds Tracker spreadsheet (.xlsx), blank
- Example file with sample funds and deposits
- Printable PDF (US Letter + A4): color-in fund trackers (6 funds), funds overview, savings log

FEATURES
- Up to 15 funds with goal, target date and starting amount
- Save-per-month target for each fund
- Progress bars and status (on the way / fully funded / due now)
- Deposit & withdrawal log with fund dropdown
- Monthly contributions per fund for the year
- Dashboard tiles: total saved, total goals, save this month

HOW TO USE
1. Download the files from your Etsy Purchases page (instant download, nothing is shipped).
2. Excel: open the .xlsx file. Google Sheets: upload the .xlsx to Google Drive, open it, then choose File > Save as Google Sheets.
3. Start on the 'Start Here' tab and fill in the pale-yellow cells. Everything else calculates for you.
4. Print the PDF pages at home or at a print shop (US Letter and A4 included).

GOOD TO KNOW
- Digital download only. No physical item will be shipped.
- Works in Microsoft Excel 2010 or newer (Windows and Mac) and Google Sheets (free). Apple Numbers and LibreOffice not fully tested.
- Formula cells are protected (no password) to prevent accidental edits.
- Colors may look slightly different on screen vs. print.
- For personal use only. Please don't resell or share the files. (c) Porchlight Ledger
- Planning and tracking tool only, not financial advice.

ALSO IN THE SHOP
- 100 Envelope Savings Tracker (100 envelope, 52 week and no spend savings challenges): https://www.etsy.com/au/listing/4587773147/100-envelope-savings-tracker-52-week-and
- Monthly Budget Planner (zero based monthly budget): https://www.etsy.com/au/listing/4587774776/monthly-budget-planner-spreadsheet-zero
- Holiday Budget & Gift Planner (plan holiday spending ahead): https://www.etsy.com/au/listing/4587778812/holiday-budget-and-gift-planner

AI disclosure: I used AI tools to help build this template (formula drafting, layout, written instructions and the product preview images). Every formula was reviewed and tested in LibreOffice with sample data, and the files were checked before listing.