Emergency Fund & Sinking Funds Tracker

Build a safety net, and turn surprise bills into planned monthly amounts.

Features

• Emergency fund target built from your own essential expenses — choose 1 to 12 months of cover
• Progress %, amount remaining, months to goal and an estimated finish date
• Up to 10 sinking funds with due dates, each showing the exact amount to set aside monthly
• A monthly set-aside total across all your funds

How to use it

1. List your essential monthly expenses and pick your months of cover (3–6 is common)
2. Enter what you've saved and what you can add each month
3. On the Sinking Funds tab, list each irregular expense with its amount and due date; update 'saved so far' monthly

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Read the guides: Emergency fund: how much & where to keep it · Sinking funds: save for irregular expenses