Stop being ambushed by bills you already knew about.

Car repairs. The insurance renewal. Christmas. The vet. None of these are surprises — they just arrive all at once and wreck a perfectly good month. A sinking fund fixes that.

Tell it one number. It does the rest.

Enter what you can save each month and the sheet splits it across every fund automatically — nearest deadline first — so nothing quietly falls behind. When a fund fills up, its share is freed and moves to the next one in the queue on its own.

It tells you the truth.

If your funds need more than your budget can cover, it says so, shows the exact shortfall, and names your three options: raise the budget, push a deadline out, or lower a target. No silent under-funding.

It knows whether you're actually on pace.

Every fund is compared against where it should be today, and marked AHEAD, ON TRACK, BEHIND or FULL — in colour, at a glance.

What's inside

5 tabs

Vaults — a drawn vault door whose dial reads how full every fund is together, a wall of fifteen deposit boxes that fill up with banded notes as you save, and the ledger they are all drawn from: targets, deadlines, required monthly contribution, pace, this month's automatic allocation, and the month each fund finishes
Deposits — 300 rows, with vault names as a dropdown so nothing gets mistyped
Timeline — a twelve-month projection of total saved and how many funds are full
Start Here — plain-English setup, about five minutes
Sample data preloaded so you can see exactly how it works, then clear it in seconds

Why this one

Checked, not eyeballed

No checkboxes to add, no scripts, no permissions to grant — it just works, including on the Google Sheets mobile app
Every formula tested against an independent simulation, including awkward cases like a deadline that has already passed and a budget that can't cover everything
Google Sheets — nothing to install, nothing to approve, and it works in the phone app

Formulas406

Evaluation errors0

Independent checks313

313 checks over every vault's saved, left, required-monthly, allocation and pace figures, all four engine date calculations, all 36 timeline figures, the completion month for each fund, and every drawn deposit box on the wall against the ledger row it is drawn from.

The details

What you get

A thank-you page and email with your view-only Google Sheets link — open it, then File → Make a copy
Real checkboxes, sparklines and charts, built natively in Sheets
Instant delivery after payment; the link never expires

Your data stays yours

You take a copy into your own Drive. Everything you type lives in your copy. You can never edit the master, and I can never see a number in yours.

Good to know

Digital product — nothing is posted. Google Sheets only; you'll need a free Google account. Works on the Sheets mobile app. For personal use; please don't resell or redistribute the file. Something not working? Email me and I'll fix it.

Refunds

Instant digital downloads can't usually be returned once delivered — but if something doesn't work, message me before asking for a refund and I will sort it out. Full policies.