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The Savings Tracker spreadsheet for Excel and Google Sheets, for sinking funds and savings goals. A preview shows the dashboard with total saved, progress, the amount needed per month, rings for your funds and charts by month.

Savings Tracker & Sinking Funds Spreadsheet

Sinking funds work when you know how much each one holds and how much to add each month. The Savings Tracker keeps every fund in one file: a name, a target amount, a target date and a starting balance.

You record each deposit and withdrawal, and the sheet works out what is saved, what is left to save, the progress, the months left and the amount needed per month. The Dashboard shows progress bars and rings for your funds and lists the ones that need attention.

It is a digital download for Excel and Google Sheets, made for savings goals such as travel, car costs, a holiday or an emergency fund.

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Digital download. Works in Excel and Google Sheets. Nothing is shipped.

What this spreadsheet tracks

Up to 30 funds with target amount, target date, starting balance and monthly plan
Up to 3,000 deposits and withdrawals
Saved, left to save, progress, months left and amount needed per month for every fund
A status for each fund and a list of the funds that need attention
Progress bars and rings, and charts of deposits, withdrawals and saved to date
A month-by-month summary for the year you choose

Who it's for

Anyone saving for several goals at once
Households that use sinking funds for planned expenses
People who prefer a spreadsheet to a savings app

How it works

Choose the year on Start Here.
Add your funds with a target, a target date and a monthly plan.
Record each deposit and withdrawal on the Transactions tab.
Open the Dashboard to see progress and which funds need attention.

See inside

Savings dashboard with 8 summary tiles (total saved, total target, progress, needed and planned per month, funds reached, funds needing attention and data warnings), progress bars for the largest targets, rings for the first four funds and monthly charts.

Dashboard tables showing the funds that are behind plan or overdue and the next target dates with the amount left to save and the amount needed per month, plus a plain sentence that sums up where you stand.

Funds tab with a target amount, target date, starting balance and monthly plan for each fund, and calculated columns for deposits, withdrawals, saved, left to save, progress, months left, needed per month and a colored status.

Transactions tab with one row per deposit or withdrawal: date, fund from a dropdown, type, amount and a note. Each row is checked and every balance, chart and summary updates by itself.

Summary tab with every fund month by month for the chosen year, net for the year, saved to date, target, left to save and progress, plus deposits, withdrawals and saved to date for each month.

Start Here tab with your name, the year and today's date, a plain explanation of how saved, left to save, progress and needed per month are calculated, the color code and a description of every tab.

List of the 5 tabs included in The Savings Tracker and three steps: download, list your funds, then add your deposits and withdrawals. Savings tracking tool, no macros, no subscription, digital download.

Frequently asked questions

Does it work in Excel and Google Sheets?

Yes. You get an Excel workbook and a PDF guide with a link to make your own copy in Google Sheets. The two versions are separate files and do not sync.

Does it connect to my bank?

No. You type your deposits and withdrawals in yourself. It does not connect to any bank or app.

Is this financial advice?

No. It is a tracking tool. Results depend only on the numbers you enter.

Is there an example file?

Yes. A second Excel file is filled with example data for funds, deposits and withdrawals, so you can see how everything works before using your own numbers.

Read the guide

A clean white desk with a notebook and pen next to an open laptop showing a monthly budget dashboard with charts and spending categories.

How to Make a Monthly Budget in a Spreadsheet (Step by Step)A seven-step way to plan your month, with an example budget table and the formulas that compare planned and actual spending.

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