{"product_id":"sinking-funds-tracker-spreadsheet-excel-and-google-sheets-auto-allocat","title":"Sinking Funds Tracker Spreadsheet, Excel \u0026 Google Sheets | Auto Allocating Savings Planner, Cash Stuffing, Emergency Fund | Digital Download","description":"\u003cp\u003eSINKING FUNDS TRACKER — the one that does the splitting for you\u003c\/p\u003e\u003cp\u003eSKU: CTC-FIN-SINKING-XLSX | Instant Digital Download | Excel \u0026amp; Google Sheets\u003c\/p\u003e\u003cp\u003eMost 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.\u003c\/p\u003e\u003cp\u003eWorks 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.\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eTHE AUTO-ALLOCATION ENGINE\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eEnter one number — what you can save this month — and pick from four methods:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003ePriority Weighted — splits by monthly need, then triples High priority funds and doubles Medium. The best all-round default.\u003c\/li\u003e\n\u003cli\u003eDeadline First — whatever is due soonest gets the most.\u003c\/li\u003e\n\u003cli\u003eEven Split — equal shares across every active fund.\u003c\/li\u003e\n\u003cli\u003eProportional to Need — splits by how much is still missing.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eA fund that\u0026amp;#39;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 \u0026amp;quot;On track\u0026amp;quot; when this month\u0026amp;#39;s allocation genuinely covers what it needs. Otherwise it says \u0026amp;quot;Behind,\u0026amp;quot; in red, while there\u0026amp;#39;s still time to fix it.\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eWHAT YOU GET (Instant Download)\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003e1. SINKING FUNDS TRACKER (.xlsx) — 9 tabs, 20 funds, 500 log rows, 1,429 tested formulas\u003c\/p\u003e\u003cp\u003eDashboard · Fund Setup · Auto-Allocate · Deposit Log · Fund Detail with projected finish dates · Monthly Summary · 45 Fund Ideas reference · Settings\u003c\/p\u003e\u003cp\u003e2 \u0026amp; 3. PRINTABLE PACK — US Letter and A4 (PDF, 12 pages each)\u003c\/p\u003e\u003cp\u003eMaster plan · monthly allocation worksheet · deposit log · goal cards · fund thermometers · 12-month grid · 45 fund ideas checklist · annual cost calculator · quarterly review\u003c\/p\u003e\u003cp\u003ePLUS TWO NEW BONUS INSERTS:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eCash Envelope Labels — for anyone who likes to stuff cash alongside the spreadsheet, with a check-off row for every deposit\u003c\/li\u003e\n\u003cli\u003e52-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\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e4. START HERE GUIDE (PDF, 2 pages) — opening it, converting to Google Sheets, clearing the sample data in one minute\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eWORKS WITH\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eMicrosoft 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\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003ePERFECT FOR\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eCar 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.\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eHOW IT WORKS\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003e1. List your funds: name, target, what you already have, the date, a priority. Five minutes.\u003c\/p\u003e\u003cp\u003e2. Type what you can save this month and pick a method.\u003c\/p\u003e\u003cp\u003e3. Log deposits as you go, or run the 52-Week Challenge or a cash envelope on the side. Every total updates itself.\u003c\/p\u003e\u003cp\u003eSample data is included so you can see it working. Clearing it takes about a minute — the guide walks you through it.\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003ePLEASE NOTE\u003c\/p\u003e\u003cp\u003e━━━━━━━━━━━━━━━━━━━━━━━━━━━━\u003c\/p\u003e\u003cp\u003eDigital 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\u0026amp;#39;t open, message me — I answer quickly and would rather fix it than leave you stuck.\u003c\/p\u003e\u003cp\u003ePersonal use only. Please don\u0026amp;#39;t resell, redistribute, or share the files. © ClearToolsCo, all rights reserved.\u003c\/p\u003e\u003cp\u003eThank you for supporting a small shop. If this earns its keep, a review genuinely helps.\u003c\/p\u003e","brand":"ClearToolsCo","offers":[{"title":"Default Title","offer_id":67640781930774,"sku":"ETSY-4558018556","price":14.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1014\/1407\/6694\/files\/il_fullxfull.8556507847_obxg.jpg?v=1791034984","url":"https:\/\/cleartoolsco.myshopify.com\/products\/sinking-funds-tracker-spreadsheet-excel-and-google-sheets-auto-allocat","provider":"CleartoolsCo","version":"1.0","type":"link"}