Sheets / Savings Goals & Sinking Funds
Savings Goals & Sinking Funds
Type one goal into the yellow cells. This page runs the same rules as the spreadsheet and tells you what to set aside each month and each payday.
154.00 a month
73.33 a payday
to have 1,840.00 for Hockey, two kids by 1 Sep 2027.
Outlined cells: what B14 is worked out from.
| A | B | |
|---|---|---|
| 1 | Your goal: type in the yellow cells | |
| 2 | ||
| 3 | ||
| 4 | ||
| 5 | Target date | |
| 6 | ||
| 7 | Today | 11 Nov 2026 |
| 8 | ||
| 10 | The working, with the same rules as the sheet | |
| 11 | Left | 1,540.00 |
| 12 | Months left | 10 |
| 13 | Paydays left | 21 |
| 14 | Per month | 154.00 |
| 15 | Per payday | 73.33 |
| 16 | Done | 16.3% |
| 17 | Progress | ██████████ |
| 18 | Your monthly amount | Covers it, 21.00 spare |
| 19 | At your amount | 9 months: Aug 2027 |
Sample: hockey for two kids, 920 each. Worked out for 11 Nov 2026. With scripts on, it uses your device's date and updates as you type. The full sheet does this for up to 40 goals at once, with a log and a dashboard.
The full sheet: US$4.99, one time. A single .xlsx for Excel and Google Sheets, five tabs inside.
Buy on EtsyInside the file, tab by tab
One .xlsx file with five tabs. The pictures are the real tabs with the made-up sample household's data.
- Start here
Plain-language steps, in order. No pictures needed: it is one column of text.
- Dashboard
Every goal added up in row 8: target, saved, left, per month, per payday, done %. Below it, one row per goal with a progress bar and a status.
Some columns hidden to fit your screen.
- Goals
Room for 40 goals. You type the name, target, target date, start date and starting amount; the sheet works out months and paydays left, per month, per payday, and how far ahead or behind a steady pace you are.
Some columns hidden to fit your screen.
- Log
Room for 500 rows. Each time you set money aside or take some out: the date, the goal (picked from a list of your goal names) and the amount.
Some columns hidden to fit your screen.
- Challenge
An optional 52-week challenge, going up or down, with your own amount in any week. The weeks you mark Done can count toward one goal.
Some columns hidden to fit your screen.
Good to know
- How is per payday worked out?
- From how often you are paid, not your real pay dates: whole weeks, whole fortnights, or months x 2 or x 1. Treat it as a guide.
- What does on track or behind mean?
- The sheet compares what you have with a straight line from your start date to your target date. It is not a forecast.
- Does it move money or work out interest?
- No. The file only adds up and divides what you type. No interest, no returns, no bank connection.
- Will it open in my program?
- Formulas only: no macros, add-ons or scripts. Checked in Google Sheets and Excel for the web. Not checked in Apple Numbers or LibreOffice.
- Is what I type here saved?
- No. This page's calculator runs on your device. Nothing you type is sent or saved.