Sinking Funds Tracker

Sinking Funds Tracker

Sinking Funds Tracker


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The “Sinking Funds Tracker” is a comprehensive digital tool for proactive savers. Seamlessly integrated into Google Sheets, it offers a structured approach to setting and achieving your money goals. Navigate unexpected expenses with ease, categorize funds, and get a crystal-clear view of your finances on a monthly basis. With intuitive features like automatic progress monitoring and budget planning, financial freedom is just a click away. Empower your savings journey today!

Frequently Bought Together

Sinking Funds Tracker + Monthly Transaction Tracker + Personal Budget Planner-Project Image
Price for all three: $215


Sinking Funds Tracker

Ever felt that sudden rush of panic when an unexpected bill lands on your doorstep? Or the tightness in your chest when you realize your family vacation is just a month away, and your savings aren’t quite up to the mark? This is where a Sinking Funds Tracker, available on platforms like Google Sheets and Excel, comes into play. Moreover, it’s a tool that helps you set aside money for these occasions, ensuring you’re never caught off guard by unexpected expenses. Consequently, you can manage your finances more effectively and avoid unnecessary stress related to unforeseen costs.” If you’re unfamiliar with the term, strap in because we’re about to dive deep into the world of sinking funds and fund categories!

The Benefits of Using a Sinking Funds Tracker

  • A Safety Net Against Surprise Expenses: A sinking fund’s primary benefit is saving for specific money goals. Using a tracker ensures you’re never caught off guard by non-monthly expense accounts or unexpected costs. This means you’re securing yourself against both monthly basis and annual expenses.
  • A Clear Picture of Your Finances: With a tracker, especially if integrated into a budget planner, you can see where your money is going, how much you’ve saved for specific purposes and the progress you’re making toward your savings goals.

Common Types of Funds to Track with a Sinking Fund Tracker

  • Emergency Funds: These are the fund examples for the unexpected – medical emergencies, car repairs, or sudden job loss. Also, an emergency fund is your financial safety net against unexpected expenses.
  • Holiday and Gift Savings: Birthdays, anniversaries, and holiday festivities; with a sinking fund, you’re always prepared.
  • Vacation Savings: Your dream vacation is no longer just a dream with planned savings.
  • Annual Car Maintenance Cost: When your car breaks down, the last thing you want to deal with is fund expenses.
  • Credit Card Debt Payments: Create a sinking fund to reduce that credit card debt vortex.

Our Sinking Funds Tracker: Charting a Path to Financial Freedom

A tool tailored to your financial circumstances, aspirations, and fund goal. This is precisely what our Sinking Funds Tracker offers. Moreover, it’s not just a Funds template; it’s a comprehensive system, akin to a budget planner, designed to empower you to meet your financial goals. By providing clarity on your income, expenses, and savings trajectory, our tracker becomes your financial compass, guiding you every step of the way. Let’s dive in!

Key Components

  • Savings Goal: To start, begin with a vision. Next, our template prompts you to input the total amount you aspire to save and the desired timeframe for achieving this fund goal. By doing so, you’re setting the foundation for your financial journey.
  • Expected Monthly Contribution: Based on your savings goal and timeline, the tracker calculates how much you should ideally set aside every month. So think of this as your monthly savings milestone.
  • Income and Expense Categories: We understand the varied nature of fund expenses. Hence, they are segregated into high-priority (like rent, utilities, and groceries) and low-priority categories. The latter encapsulates expenses that are flexible or can be postponed.

Input Sheet

Sinking Funds Tracker - Input Sheet
Sinking Funds Tracker – Input Sheet
  • Setting Priorities: A unique feature of our tracker is its ability to let you classify your expenses. Firstly, define what holds precedence in your financial ecosystem. Is it the monthly rent or that new gadget you’ve had your eyes on? Consequently, this decision point, often found in a good budget planner, helps shape your spending and saving habits.
  • Monthly Financial Overview: Every expense and income stream finds a place here. Everything gets recorded, whether a windfall bonus or a sudden medical expense, ensuring you’re never in the dark about your finances.

Actual Income and Expenses

Sinking Funds Tracker - Actual Income and Expenses
Sinking Funds Tracker – Actual Income and Expenses
  • Monthly Reality Check: This is where theory meets practice. For instance, you’ll document your actual earnings and expenditures at the end of each month. By doing this, you get a clear picture of your stand by juxtaposing this with your expected contributions.
  • Decision Point: After taking care of high-priority expenses, you face a crossroads. Then, do you save the baseline amount or allocate a percentage of the remaining income? Ultimately, this flexibility ensures that your savings plan is sustainable and adaptable.


Sinking Funds Tracker - Tracker
Sinking Funds Tracker – Tracker
  • Automatic Progress Monitor: Here’s where the magic happens. Without any manual input, this section autonomously updates, reflecting your monthly finances, from income to expenses to your total contributions towards your savings goals. At a glance, you’ll discern your progress and the funds remaining to meet your goal.

Frequently Asked Questions

  • What is a Sinking Fund?
    A sinking fund is a strategic method to save money by periodically setting aside a fixed amount for a particular expense. It’s your personal savings method to ensure that money is available when needed.
  • What are examples of Sinking Funds?
    Some common fund examples include emergency savings, personal savings, kid savings, holiday savings, and credit card debt payments.
  • How to Set Up Your Sinking Funds?
    Begin by identifying your future expenses. Use a Funds template spreadsheet to categorize them, then decide on the amount you want to set aside periodically. Incorporate this into your monthly budget.
  • How To Track Sinking Funds?
    With the help of funds tracker templates or Funds Update templates, you can keep a tab on your savings and ensure you’re on track.
  • How Do You Create A Digital Sinking Fund Tracker?
    Start with a monthly budget spreadsheet. Incorporate tables that cover income, expenses, and your sinking funds. If you’re on a tight budget, numerous free Budget By Paycheck Templates are available for download online.
  • How do I make a sinking fund schedule?
    A budgeting calendar can be a great tool. Mark important dates, set reminders for contributions, and keep tabs on your progress.


Alright, folks, that’s a wrap on Sinking Funds Tracker! Remember, budgeting is not about restricting yourself but about empowering your money to work for you. Whether you’re using a Funds Planner or a simple funds worksheet, the idea is to be prepared. With the right tools and some dedication, you can navigate the tricky waters of finances, bills, and unexpected costs. If ever in doubt, return to this post, and let’s embark on the savings journey together! Cheers

Walk-Through Video of Sinking Funds Tracker Excel Financial Model

The following video will give you an overview of the different components of the financial model and will help you understand how it works.

3 reviews for Sinking Funds Tracker

  1. 5 out of 5

    Xavier Peterson

    Innovative and reliable. This Sinking Funds Tracker has made organizing my finances and achieving goals much simpler and efficient.

  2. 4 out of 5

    Emily Gonzalez

    This Sinking Funds Tracker is a financial lifesaver. Keeps my savings goals on track with ease and precision.

  3. 5 out of 5

    Sean Hall

    Absolutely love this tracker! It makes managing various sinking funds straightforward and stress-free.

Add a review

By actively seeking and incorporating customer feedback, we ensure our services are consistently tailored to their specific requirements. One of the testimonials can be seen below.

Sinking Funds Tracker - Testimonial
Sinking Funds Tracker – Testimonial

Discover the Essential Components of Financial Planning and Budgeting! Our article “Financial Planning vs Budgeting: Which One Do You Need First?” explores and guides you through effective budgeting techniques. Click here for more details.

Frequently Asked Questions About Our Financial model

An Oak Business Consultants Provides Various Financial Model Templates; each industry model has unique revenue and input assumptions based on the industry nature and operation requirement. We have dug into almost every industry and have built 100+ models for every specific niche market.

For Example; a website has a general base model for e-commerce business and several other businesses that come under the E-commerce industry like Online Clothing Business and Online Toy Store, etc.

The pre-built financial models are made to help an entrepreneur, by giving them financial projections for their business. These models provide a prebuilt detail and structure to those who have a similar business revenue model as already available on the website. However, if you have a business model which is unique and have several different revenue streams. Therefore, you need Buy Customization Plans financial model services where you can avail of modeling services as per your business nature and operation requirements. 

All pre-built models are Comprehensive and dynamic, designed by expert professionals by considering all the elements any business requires while computing the financial feasibility of the business. The financial model template will provide the assistance to compute the startup summary, detailed monthly and yearly profit and loss statement, balance sheet, cash flow Analysis, and Break-Even Output summary. The template also has project evaluation reports and diagnostic sheets which will allow you to determine the company’s performance in a specified period of time. Moreover, a visual representation of these reports is compiled on a dashboard to make a convenient report overview for the user.

The models will be in Microsoft Excel file format, and they are immediately available for download after making the purchase. A model can redownload at any time in the future from the same account.

The optimal way to use the model is to familiarize yourself first with how the model is linked and structured. There are already detailed instructions on howdetailed how to use the description mentioned under each product profile.

Moreover, then start with the input sheet with the most important assumptions, and start filling in the inputs as per your business information which is clearly labeled and formatted in a pink color cell. For Example; If your region tax rate is 25% so fill it under the tax field, which is already highlighted so then a model will automatically compute all related calculations. The same procedure will go with all operating and variable cost sections, which are mentioned in the model.

Next comes the revenue-related input; then go through the inputs around growth rate, churn rate, prices, and cost of sales, etc. These inputs will be changed from industry to industry; however, the basic structure is the same.

So far, you’ll get basic forecast reports, and now it comes down to looking at the Summary and Key Reports sheet(s) to see if the estimation makes logic: net income, gross margin and net cash flow, etc. Refine and iterates the inputs until you get a final result that makes sense for your business and your industry.

The Financial models are in xls. File format. We would recommend to use Excel or Google Sheets to develop and edit financial models. In practice, We use Excel to build and edit models and Google Sheets to share with clients. Because Excel is usually a faster software for building and designing with so many features, however, Google Sheets can make it convenient for sharing models with the user.

Our models can be used in both Excel and Google Sheets interchangeably; simply upload the Microsoft Excel model template into Google Sheets, and everything will be ready to go.

Undoubtedly Yes! All formulas’ cells and sheets are completely editable and open. Therefore, you can edit anything as per your requirement. But, you must need to consider the cell linkage first before making any change.

How to Edit the Mode?

All peach Areas are your INPUT CELLS. Please fill the PEACH AREA as per your Business situation. All WHITE and COLORED CELLS are CALCULATED and LINKED CELLS.

The Model is easy to use, dynamic and Transparent. We did not use complex formulas to build the Pre-built Financial Model or Financial Template.

Yes, We provide Half an Hour of free consultancy. We help you to explain

  • The flow of Pre- Built Financial Model
  • Explain Financial Terminology
  • Explain How the Pre-built Financial Model work.

You can fix a meeting time with our Expert Financial Consultant and avail yourself of this opportunity to have one to one call with him/her.

Frequently Asked Questions About Our Business Plan

Oak Business Consultant can easily accommodate any industry and already has 100+ Pre Built Business Plan samples that help you along the way. Whether you’re a small or mid-sized business, freelancer, or literally any industry sector from tech to real estate to salon and restaurant. We do extensive research before writing a business plan so that each business plan is quite different from another according to its business nature and operation requirements.

At Oak Business Consultant, we ensure that each and every business plan is customized for every industry. Such as;

Our team of experienced consultants and business analysts does not only ensures high-quality templates but also provides business consulting services to enhance your idea. However, these Pre Built Business Plan Templates are general. You will require our customized plan services and if your business idea is unique and generates revenue from various different streams.

Apart from the general pre-built business plan template, we provide three kinds of business plan customized services and Each plan package offers a variety of services based on its price.  

For Example in Basic Plan, a 10 to 15 pages business plan with a three-year financial model, completely customized according to your business nature and idea. However, in the Comprehensive package, the packages will be based on 30 to 35 pages with 5 Years of financial analysis.

We have several business planning packages. Each package is developed keeping in mind the scale of the business industry and the purpose of the business plan. We provide extremely competitive and affordable pricing for business plans.

If you need help with choosing the right package please feel free to reach one of our consultants. We are available here to support your queries.

The average venture capital company receives several business plans every day and they only invest in a handful of 1%. You need such a comprehensive and deal proven business plan to capture investment attention. Oak Business Consultant Provides you a dynamic business plan which not only jotted down your ideas into a well-structured format but also provides all essential market and financial analysis which would be eye-captured information to the investor.

We work with minimal inputs. We only require the basic information in the brainstorming and developing process. The basic questionnaire involves Brand Name, a Brief Description of the company and your Idea, Target you will earn your revenue? and Why do you think people would need your products/services? and What is the range of initial investment you are looking at? And what plans for your company? These questions will ask as a starting point for your project. 

We always encourage our clients to share other information related to their future operations that might have. In case more information is required, our team will contact you.

We work in a collaborative manner via phase to phase communication approach. We acknowledge that you would know your business idea better than anyone. We bring along years of experience and industry best consultants to help you enhance your idea into a venture.

We work in a phased manner. Every interim deliverable related to the business plan will be sent to you for review. We acknowledge that you would know your business idea better than anyone So that We would encourage you to go through the drafts and give us your feedback. Our consultants will have a discussion on your review comments. On the basis of the discussion, we will modify the drafts. For every phase, we will take a maximum of two update requests of each phase into consideration. We would request you to give us a complete and specific set of feedback.

The business plan template design would be a part of the package. The draft version would be written in a normal word document; however, once a consultant is done with the content. A non-designed business plan goes into the in-house graphic team that turns the non-designed version into an aesthetically appealing template by considering the brand color theme and industry nature.

Frequently Asked Questions About Our Pitch Deck

Once your order is finalized, you can access a download link for your files directly from your dashboard.

To retrieve your document, simply proceed to your dashboard and download the provided PDF document.

Yes, you will need to register for a complimentary Canva account or log in to your existing Canva account to engage with the template.

Open the PDF you downloaded and select the highlighted LINK (mentioned on the last page) within it. This link will redirect you to your specific Canva template.

Absolutely! Within Canva, you are free to adjust colors, fonts, images, and other elements to ensure the design matches your branding specifications.

After you have finished customizing your design, you can download it from Canva and showcase it on your preferred social media platform.

Yes, Indeed! Our Team has developed more than +1000 Financial Models on different industries and sectors that have closed $100M in deals and investment for companies.

Check out our Financial Model Library and have more 1000+ Financial models available here

Also check out our Customize Financial Model services plans here.

Yes, Indeed! Our Team has developed more than +500 Business Plan on different industries and sectors that have closed $100M in deals and investment for companies.

Check out our Business Plan Templates library more +500 Business Plan available here.

Also check out our Customize Business Plan services packages here.

Frequently Asked Questions About Our Market Research report

We offer three variations: Basic, Advanced, and Comprehensive.

Basic includes a PDF report; Advanced adds Excel files; Comprehensive includes PDF, Excel, and PowerPoint.

Yes, we offer a 7-day complimentary consultation post-purchase.

Reports are for single-user only and not for commercial sharing.

Data is up-to-date as of the report’s publication.

Yes, Customized reports are available upon request. Fill out the Form for customized report.

Digital reports are delivered instantly; customized reports may vary as per the requirements.

We offer ongoing support for any post-purchase inquiries. You can contact by email or book a meeting with