Sinking Funds Tracker Spreadsheet for Google Sheets and Excel, Savings Goal and Emergency Fund Tracker

✦ Every savings goal and savings challenge in one beautiful, fully automated spreadsheet ✦

Stop guessing how much to set aside. Add your sinking funds, goals and target dates once, and this calm navy-and-gold workbook tells you exactly what to save each month AND each paycheck, tracks every deposit and withdrawal, and colors in your progress as you go. It also includes six popular savings challenges with tick boxes, an emergency fund calculator and a bill calendar for irregular expenses. Works in Google Sheets AND Microsoft Excel. It's undated, so you can start any day of the year. No formulas to write, no macros, no subscription, no app.

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✦ WHAT'S INCLUDED (10 TABS)
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★ START HERE: your name, start date (any date), currency symbol, pay frequency (weekly, biweekly, semi-monthly or monthly), a recent payday, take-home income, emergency fund target, challenge settings and editable fund categories
★ DASHBOARD: total saved, sinking funds saved vs goals, % to goals, next deposit (your next payday and how much to move), funds fully funded, needed per month, emergency fund months covered, next target date, progress bars, a saved vs goal chart, a saved vs still-to-save chart, upcoming target dates, a challenge summary, net saved by month and bills coming up
★ SINKING FUNDS: up to 20 funds with category, goal, target date and starting balance. Deposits, withdrawals, saved, still to save, %, color-in progress bar, months left, amount needed per month and per paycheck, on track / behind / funded status and a projected finish date, plus totals by category and a chart
★ DEPOSIT & WITHDRAWAL LOG: up to 500 entries with date, fund, type, amount and note. Every line feeds your fund balances, the Dashboard and the Monthly Summary, with a running fund balance on each line
★ 52-WEEK CHALLENGE: classic, reverse, fixed or custom amounts with your own step ($1 step = $1,378, $5 step = $6,890). Dated weeks from your start date, tick ☑ in any order, catch-up reminders, a color-in grid and a saved vs plan chart
★ ENVELOPE CHALLENGES: 100-envelope challenge ($5,050), $5K challenge and $10K challenge as 100-box color-in grids. Tick ☑ under each amount you save. $5K and $10K amounts are editable
★ PENNY & CUSTOM: the 365-day penny challenge ($667.95) as a color-in grid, plus a custom challenge for any goal and deadline that shows the amount you need per week and per month
★ EMERGENCY FUND: list your essential monthly expenses and see your target (months × expenses), how many months you're covered, the gap, how much to save per month and per paycheck, and milestones from a $1,000 starter fund to 12 months
★ MONTHLY SUMMARY: 24 months from your start date with deposits, withdrawals, net saved, number of entries, 52-week savings, fund balance, savings rate and change vs last month, plus a chart
★ BILL CALENDAR: up to 25 irregular bills (annual, semi-annual, quarterly or monthly) with per-year, per-month and per-paycheck set-aside amounts, a 12-month calendar of when each bill is due, and a running balance so you know the money is there in time

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✦ FEATURES
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✓ Fully automated: everything calculates as you type or tick
✓ Per-paycheck amounts for weekly, biweekly, semi-monthly or monthly pay
✓ Undated: pick any start date and it keeps working year after year
✓ Works in Google Sheets and Microsoft Excel (Windows, Mac, Excel for the web)
✓ Any currency: choose $, £, €, ¥, ₹, A$, C$, R, kr or ₱ for the summary cards
✓ Dropdowns for funds, categories, deposit type and bill frequency, plus ☑ tick boxes
✓ Color-in progress bars and grids that turn gold as you save
✓ Formula cells are locked so you can't break anything by accident (no password, so you can unlock them any time)
✓ Includes a copy with clearly labeled example data so you can see how it works, plus a BLANK copy to start fresh
✓ Calm navy, gold and coral design with cream "type here" cells
✓ No macros, no add-ons, no subscription. It's yours to keep.

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✦ YOU WILL RECEIVE
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• Sinking-Funds-Savings-Tracker-BrightbudgetsCo.xlsx (with example data)
• Sinking-Funds-Savings-Tracker-BrightbudgetsCo-BLANK.xlsx (ready for your own savings)
• A 2-page instructions PDF with your Google Sheets template link (click › "Make a copy")

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✦ COMPATIBILITY
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• Google Sheets (free Google account), in a browser or the Google Sheets app
• Microsoft Excel 2013 or newer, Excel for Mac, Excel for the web / Microsoft 365
• Use a computer for the first setup. After that, log deposits and tick challenges on your phone or tablet in the Google Sheets or Excel app.
• Not made for Apple Numbers, GoodNotes or other PDF planner apps

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✦ HOW TO ACCESS
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1. After purchase, go to You › Purchases and reviews › Download files. Etsy also emails you a download link.
2. Google Sheets: open the PDF, click the template link and choose "Make a copy". Or upload the .xlsx to Google Drive and open it with Google Sheets.
3. Excel: double-click the .xlsx file and click "Enable Editing" if asked.
4. Start on the "Start Here" tab. Setup takes about 5 minutes.

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✦ FAQ
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Q: What is a sinking fund?
A: Money you set aside a little at a time for an expense you know is coming, like Christmas, car repairs, insurance or a vacation, so it never wrecks your budget.

Q: Is it dated?
A: No. Enter any start date and the 52-week dates, monthly summary and bill calendar follow it. Months left and status use today's date.

Q: Do I need Excel?
A: No. A free Google account and Google Sheets is all you need.

Q: I get paid every two weeks. Does it work for me?
A: Yes. Choose weekly, biweekly, semi-monthly or monthly and every per-paycheck amount and your next deposit date adjust.

Q: Can I do more than one challenge at once?
A: Yes. Run one or all six. The Dashboard only counts the challenges you've started toward your challenge goal.

Q: How do I clear the example data?
A: Use the included BLANK file, or select the cream cells and press Delete. The formulas stay safe.

Q: Does it connect to my bank?
A: No. You type in your own deposits, so nothing is linked to your accounts.

Q: Does it use macros?
A: No. There are no macros or scripts. It's plain formulas that work in both Google Sheets and Excel.

Q: Will I receive a physical product?
A: No. This is a digital download and nothing will be shipped.

Q: Can I share it?
A: It's for personal use only. Please don't share, resell or redistribute the files or the template link.

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✦ PLEASE NOTE
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• Because this is a digital item with instant access, returns, exchanges and refunds are not accepted. If something isn't working, please send us a message through Etsy and we'll help you sort it out.
• This tracker is an organizing and planning tool, not financial advice. Savings challenge totals are examples, not guaranteed results.
• Colors may look slightly different depending on your screen.

✦ PAIRS WELL WITH
• Cash Envelope Printables ($4): https://www.etsy.com/mx/listing/4601125510/sobres-de-efectivo-imprimibles-sobres
• Holiday Gift List & Budget printable ($3): https://www.etsy.com/mx/listing/4601124564/lista-de-regalos-de-navidad-imprimible

How it's made: I design every BrightbudgetsCo product myself and build it with digital tools, including AI-assisted writing and coding, then test and approve each file before it's listed. Listing images are previews made from the actual files; no AI image generators are used.

✦ More from BrightbudgetsCo: planners, trackers & ADHD-friendly apps for budget, habits, fitness, baby, weddings and holidays
https://brightbudgetsco.etsy.com

© 2026 BrightbudgetsCo. For personal use only.