Sinking Funds Tracker Spreadsheet, Excel & Google Sheets | Auto Allocating Savings Planner, Cash Stuffing, Emergency Fund | Digital Download

SINKING FUNDS TRACKER — the one that does the splitting for you

SKU: CTC-FIN-SINKING-XLSX | Instant Digital Download | Excel & Google Sheets

Most sinking fund spreadsheets add up numbers you already decided on. This one decides for you. Type in what you can save this month, choose a method, and the workbook auto-allocates every cent across your goals — then tells you, honestly, which ones your budget cannot cover yet.

Works in Microsoft Excel AND Google Sheets. Every formula was chosen from the set that behaves identically in both, so nothing breaks in the conversion. No subscription. No macros. One file, yours forever.

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THE AUTO-ALLOCATION ENGINE

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Enter one number — what you can save this month — and pick from four methods:

• Priority Weighted — splits by monthly need, then triples High priority funds and doubles Medium. The best all-round default.
• Deadline First — whatever is due soonest gets the most.
• Even Split — equal shares across every active fund.
• Proportional to Need — splits by how much is still missing.

A fund that's already full is skipped automatically, and its share passes to the goals that still need it. Status is honest, too: a goal only reads "On track" when this month's allocation genuinely covers what it needs. Otherwise it says "Behind," in red, while there's still time to fix it.

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WHAT YOU GET (Instant Download)

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1. SINKING FUNDS TRACKER (.xlsx) — 9 tabs, 20 funds, 500 log rows, 1,429 tested formulas

Dashboard · Fund Setup · Auto-Allocate · Deposit Log · Fund Detail with projected finish dates · Monthly Summary · 45 Fund Ideas reference · Settings

2 & 3. PRINTABLE PACK — US Letter and A4 (PDF, 12 pages each)

Master plan · monthly allocation worksheet · deposit log · goal cards · fund thermometers · 12-month grid · 45 fund ideas checklist · annual cost calculator · quarterly review

PLUS TWO NEW BONUS INSERTS:

• Cash Envelope Labels — for anyone who likes to stuff cash alongside the spreadsheet, with a check-off row for every deposit
• 52-Week Savings Challenge — the gamified way to fund one goal fast, from $1 in week one to $52 in week fifty-two ($1,378 total), then log it against any fund in your tracker

4. START HERE GUIDE (PDF, 2 pages) — opening it, converting to Google Sheets, clearing the sample data in one minute

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WORKS WITH

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Microsoft Excel 2016, 2019, 2021, Microsoft 365 (Windows and Mac) · Google Sheets · Excel for iPad and Android · Also opens in Apple Numbers, LibreOffice Calc and WPS Office

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PERFECT FOR

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Car repairs and insurance renewals, Christmas and birthdays, annual bills, holidays and travel, home maintenance, vet bills, school costs, a new phone or laptop, an emergency fund — cash stuffing fans and spreadsheet people, in the same download.

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HOW IT WORKS

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1. List your funds: name, target, what you already have, the date, a priority. Five minutes.

2. Type what you can save this month and pick a method.

3. Log deposits as you go, or run the 52-Week Challenge or a cash envelope on the side. Every total updates itself.

Sample data is included so you can see it working. Clearing it takes about a minute — the guide walks you through it.

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PLEASE NOTE

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Digital download — no physical item ships. Files are available immediately after purchase, from your Etsy Downloads page and confirmation email. Because files deliver in full and instantly, all sales are final. If anything won't open, message me — I answer quickly and would rather fix it than leave you stuck.

Personal use only. Please don't resell, redistribute, or share the files. © ClearToolsCo, all rights reserved.

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