Sinking Funds Tracker Spreadsheet, Savings Goal Tracker, Christmas Budget Planner, Google Sheets Excel Template, Savings Challenge Gift List

Stop scrambling when big expenses show up. Give every goal its own fund, see exactly what to save each month, and get through Christmas without the January money hangover.

This Sinking Funds Tracker + Christmas Budget is a ready-to-use spreadsheet for Google Sheets and Excel. Add your goals, log your deposits, and watch the progress bars fill up.

WHAT'S INCLUDED (5 TABS)
• START HERE – quick setup and currency picker
• Sinking Funds Dashboard – up to 12 goals with start and target dates, progress bars, suggested monthly saving and automatic status (On track / Behind / Overdrawn)
• Fund Log – record deposits and withdrawals for every fund
• Christmas Budget – gift list plus other holiday costs, budget vs actual
• Christmas Countdown – weeks left to Dec 24 and how much to save per week and per month

FEATURES
• Automatic calculations – just type in your numbers
• Visual progress bars for every goal
• Status flags so you know which goals need attention
• Budget vs actual for gifts, food, decorations and more
• Works in Google Sheets and Microsoft Excel
• Optimized for PC and tablet, can also be opened on phone.
• The spreadsheet can be shared with others.

CURRENCIES
$, €, £, SEK, DKK, A$, C$, R$, CHF, ¥ or other – pick yours on the START HERE tab.

HOW IT WORKS
1. Download the PDF from your Etsy purchase.
2. Click the link in the PDF and make a copy in Google Sheets (free Google account needed), or open the included .xlsx file in Excel.
3. Pick your currency, add your goals and start saving.

PLEASE NOTE
• This is a digital download, no physical item will be shipped.

Questions? Message me on Etsy and I'll help.