Sinking Funds App | Savings Pots for Annual Bills, Set Aside Each Payday, Christmas and Car Insurance Fund, Works Offline, Free Demo

CALM MONEY SINKING FUNDS, POTS FOR THE BILLS YOU KNOW ARE COMING. Car insurance, Christmas, the MOT, a yearly subscription: each pot works out what to put in each payday so the money is there on the day, and one total tells you what to set aside this payday.

It opens in your browser, adds to your Home Screen like an app and works offline. No account, no bank login, no subscription. This is the Sinking Funds edition of our Calm Money budget app: everything in Calm Money, with your pots first.

TRY THE FREE DEMO FIRST: https://app.neatwrenstudio.com/demo/?edition=sinking
It is the real app with example pots (car insurance, Christmas, the MOT, glasses and more). The Overview with this payday's total, Safe to spend, spends, bills, the calendar and notes are open (up to 25 spends and 5 bills). The pots screen, budgets, debts and Insights show as previews. Download a backup in the demo and your numbers carry over to the full version.

WHAT THE SINKING FUNDS EDITION ADDS
- SET ASIDE THIS PAYDAY: one total for every pot, with each pot's part. Move it to savings, tap I have set it aside, and each pot goes up.
- EVERY POT, ITS OWN AMOUNT: what is left, shared over the paydays before its date. Weekly, every 2 or 4 weeks, or monthly pay. Paid irregularly? A monthly figure instead.
- POTS FOR BILLS THAT COME ROUND AGAIN: every 3, 6, 12 or 24 months. When the bill is paid, tap Used it and the pot moves on to its next date.
- POTS WITHOUT A DATE: an emergency fund or home repairs, with a set amount each payday.
- RINGS AND STATUS: each pot on track or Watch this, with what a month would get it there.
- A PAYDAY STEP: in ADHD-friendly mode, payday's set-aside is one step in Right now.
Pots are not taken off Safe to spend: once you move the money to savings, Safe to spend is still what you can spend.

EVERYTHING IN CALM MONEY, TOO
- SAFE TO SPEND: your balance, minus the bills still to go out before payday, minus what your budgets keep back, minus money put aside for occasional bills and an optional safety buffer. "How is this worked out?" lists every figure.
- BILLS AND INCOME ON ANY CYCLE: monthly, two days a month, every 2 or 4 weeks, weekly, every few months or once. Subscriptions with monthly and yearly totals.
- BUDGETS WITH PACE, a 48-hour wait list, goals, debts, a calendar, notes and reminders, and Insights (spending by category, planned vs actual, 6 months of money in and out).
- LOG A SPEND IN TWO TAPS: the + button, an amount, a category. On a computer, Ctrl or Cmd + K.
- TWO MODES: ADHD-friendly (one next step at a time, 3 small things, whole numbers, Focus) or Standard (pence, a Coming up table). Same features, switch any time.
- MAKE IT YOURS: 8 colour schemes or your own colour, light or dark, 5 fonts, text size and reduced motion.
- CSV import and export, calendar export with alerts, backups with a reminder after 14 days. 25 currencies, English (UK) or English (US).

WHAT YOU GET
Two PDFs on your Etsy downloads page (open etsy.com in a web browser, not the Etsy app):
- Start here: your private link to the full Calm Money Sinking Funds, how to add it to your Home Screen, and how to bring your demo numbers across.
- How-to guide: 14 pages, every screen step by step, with pictures.
Lifetime updates: new versions arrive by themselves the next time you open it online. Personal licence for your own devices.

WORKS ON
- iPhone and iPad: open the link in Safari, then Share, then Add to Home Screen.
- Android: open it in Chrome, then the menu (three dots), then Add to Home screen.
- Windows, Mac and Chromebook: any up-to-date browser (Chrome, Edge, Safari or Firefox). Chrome and Edge can install it as an app.
Once it is on your Home Screen it opens with no internet. Nothing to download from an app store, no account, no login.

YOUR NUMBERS STAY ON YOUR DEVICE
Everything you type is saved in the browser on your phone or computer. There is no account, no bank connection, no analytics, and nothing is sent anywhere. To move to a new phone, download a backup file and restore it on the other device. Back it up now and then: if you clear your browser's data, the app's data goes too.

WHO IT IS FOR
Anyone caught out by the bills that only come once or twice a year, who wants a calm way to spread them over every payday without a spreadsheet. Not financial advice.

BUY TWO OR MORE: use code PICK2 at checkout for 20% off any two or more items from the shop, until 31 January 2027.

INSTANT DIGITAL DOWNLOAD. Nothing is posted. Because the files arrive the moment payment clears, Etsy does not allow returns on digital items. If anything does not open or is not as described, message us before leaving a review and we will fix it or refund you.
Personal use only. Please do not share, resell or redistribute the files or the link.
Stuck? Message the shop with a screenshot and a person replies within a day.

Designed and built by Neat Wren Studio. Layouts, formulas and code are built with digital tools, including AI assistance for structure and copy; no AI-generated artwork.