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Sinking Funds 2027

Savings jars for every bill you know is coming, with a monthly plan and a printable tracker

Sinking Funds 2027: Fill a jar for every bill you know is coming
Fill a jar for every bill you know is coming
  • Sinking Funds 2027: Fill a jar for every bill you know is coming
  • Watch every jar fill up: See what's full, what's next and what's due soon
  • Know exactly what to put aside: Plan per month, what's still needed, and a status for each fund
  • Print it and color it in: 20 boxes per fund: fill from your log or by hand
  • Your next moves, in plain words: What to finish, what to top up and what to celebrate
  • Deposit, withdraw, or pay the bill: Paid the bill? Log it as Spent and the jar stays full
  • Your year, month by month: Plan vs what you actually put aside, for every fund
  • Ahead of plan, or behind? Pick any month: deposits, bills paid and how you did vs plan

from $5.99 on Etsy

Price on Etsy may vary (sales, your currency).

View on Etsy
  • Google Sheets + Excel versions included
  • Instant digital download, nothing is shipped
  • Sample data and a Start Here tab
  • One-time purchase, no subscription

Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer.

No more surprise bills. Give every bill you know is coming its own jar, and watch it fill up.

Car insurance, annual fees, back to school, the vacation, Christmas gifts: list them once with a target and a due date, log what you put aside each payday, and this spreadsheet shows what to save this month, what's due soon and which jars are already full.

What's inside

  • Start Here

    Quick guide and settings: your name, plan year, currency, due-soon window, rounding step

  • Dashboard

    Pick any month: a shelf of savings jars, saved / needed this month / funds on plan / next up, progress to "all funded" with milestones, "Coming up" and "Your next moves", plus a month-by-month chart

  • Funds

    Up to 20 bills and goals: target, due date, start month, starting balance; plan per month, put aside, spent, balance, % funded, what to save per month from now and a status for each

  • Money In & Out

    A 600-row log: Deposit, Withdrawal or Spent, with a Check column that flags anything to fix

  • Monthly Plan

    12 months, fund by fund: what you put aside vs the plan, bills paid and the balance at each month end

  • Fund Tracker

    A one-page printable: 20 boxes per fund that fill from your log, or print them blank and color them in

Why you'll like it

  • Jar shelf dashboard: every fund is a jar that fills as you save; the darker plum means full
  • Know exactly what to put aside: plan per month, "per month from now" for every fund and this month's total with any catch-up, rounded up to a friendly step
  • Plain-word statuses: On track · Top up · Due soon · Short · Funded · Next up. The Dashboard tells you what to do next and celebrates what's full
  • Real-life logging: Deposit, Withdrawal, or Spent (the bill got paid, so the jar stays full)
  • Month by month: a 12-month plan vs what you actually put aside, plus a chart
  • Printable savings tracker: 20 boxes per fund, filled from your log or blank to color in
  • Up to 20 funds; due dates can run into next year; any currency
  • Built by a data analyst — every number is a formula you can trace. No app, no subscription

How you get it

  1. Download on Etsy

    Buy the template on Etsy, then download START-HERE.pdf and the Excel .zip from your Purchases.

    How to download

  2. Make a copy

    Click MAKE A COPY in the PDF: your own Google Sheet is saved to your Google Drive. Prefer Excel? Open the .xlsx.

    How to make your copy

  3. Start

    Follow the Start Here tab. Type in the cream cells; the gray cells do the math for you.

    Clearing the sample data

You receive:

  • START-HERE.pdf — Google Sheets link + quick guide
  • sinking-funds-excel.zip — Excel version

Good to know

  • Sample data is included so you see it working; clearing it takes a minute (the guide shows which cells).
  • Nothing changes with the calendar: you pick the month to view, or choose "Current month".
  • Best used on a computer; you can view it in the Google Sheets app on your phone.
  • For personal use in one household. Please do not resell or share the files.

A planning tool, not financial advice.

Designed by me with the help of AI tools.

View Sinking Funds 2027 on Etsy

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