Personal Finance · Excel workbook · 11 sheets
Sinking Funds Planner
Replaces
Goodbudget Plus
~$8/mo
save ~$96/yr
10-yr: keep ~$953
Envelope budgeting for irregular expenses — Christmas, car repairs, insurance premiums, property tax, vacation. Required-monthly math per fund, on-track/behind flags, and a monthly contributions log. Pair with Daily Budget Planner for the month-to-month flow. Now includes Industry Playbook, Print Reports.
Preview · Sinking Funds
| Fund | Category | Target | Current Balance | Target Date | Monthly Contribution | Months Remaining | Required Monthly | On Track? | Priority | Account | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Christmas / Holidays | Annual | $1,500 | $425 | 2026-12-01 | $125 | High | HSBC Savings | Gifts + travel + food | |||
| Car Repairs / Maint. | Irregular | $2,000 | $800 | 2027-04-30 | $75 | High | HSBC Savings | Tires, brakes, registration | |||
| Annual Insurance | Annual | $1,800 | $600 | 2026-11-15 | $150 | High | HSBC Savings | Auto + renters annual | |||
| Property Tax | Annual | $4,200 | $1,400 | 2026-10-31 | $350 | High | HSBC Savings | County property tax |
Inside the file
- START HERE
- Sinking Funds
- Monthly Contributions
- Funds Dashboard
- Print Reports
- Data Import
- Companion Tools
- Assumptions
+ 3 analytical & operator sheets
- Lookup Tables
- Industry Playbook
- Settings & Targets
How it works
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01
Open the .xlsx in Excel, Google Sheets, or Apple Numbers
Sample data is pre-loaded so every dashboard works the moment you open it. Look around. Click cells. See the formulas.
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02
Replace the sample data with your numbers
Paste a CSV from Goodbudget Plus, type directly into the input sheets, or import month by month. The workbook recomputes automatically.
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03
Read the dashboards
11 sheets across KPI dashboards, forecasts, and traffic-light alerts. They update as you log. No buttons to press.
Frequently Asked Questions
Can I edit the formulas?
Yes — input cells, targets, and assumptions are editable. Logic sheets stay protected so the workflow remains stable while you customise the system.
Does it work in Google Sheets?
Best in Excel. You can open the .xlsx file in Google Sheets or Apple Numbers, but review formulas, formatting, and recalculation after import.
Is this a one-time purchase?
Yes — pay once and own it forever. No subscriptions, no monthly fees, no accounts required.
What if the template is not right for me?
We offer a 7-day review window. Contact support and we will sort it out.