Sinking Funds & Bill Planner

About the Sinking Funds & Bill Planner

Big annual bills only feel painful because they arrive all at once. Sinking funds fix that: you save a little each month towards each big cost, so the money is already there when the bill lands. This Sinking Funds & Bill Planner makes it easy — list your annual costs, when they are due, and how much to set aside each month, and it tracks every fund's progress for you.

The dashboard shows your number of funds, total monthly set-aside, total saved, your annual bill total, how many funds are fully funded and which bill is due next, with a progress bar for every fund. It is the calm, organised antidote to bill shock, and a simple habit that transforms how in-control your money feels.

Built in Excel and Google Sheets with a soft, motivating design and sample funds, it works on any device. Pair it with our [Paycheck Budget Planner](#/product/paycheck-budget-planner) and [Savings Goal Tracker](#/product/savings-goal-tracker).

Who it's for

What's included

• List annual costs with due months
• Monthly set-aside worked out for each fund
• Dashboard: total saved, fully funded and next bill due
• Progress bar for every fund
• Motivating design; sample funds included
• Works in Excel and Google Sheets, on any device

How to download & use it

1. Check your email. The moment your payment goes through, we email your files to the address you enter at checkout. They usually arrive within a minute or two — if not, check your spam or promotions folder.
2. Download your files. Open the email and click the download button. Your files save straight to your device — nothing is posted, it is all instant and digital. Keep the email so you can re-download any time.
3. Open it. Open the file in Microsoft Excel, or upload it to Google Sheets (in Google Drive: New → File upload, then open with Google Sheets). It works on desktop, tablet and mobile.
4. Make it yours. Type into the highlighted input cells — everything else calculates automatically. Most files include a "Start Here" tab and sample data to guide you.

Need a hand? Every purchase includes free email support and free updates for life. If a file ever will not open, reply to your receipt and we will sort it.

Frequently asked questions

What is a sinking fund?

It is money you save a little at a time towards a known future cost, so it is ready when the bill arrives.

Does it show which bill is due next?

Yes — the dashboard highlights your next bill and every fund’s progress.

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Instant digital download. Nothing is shipped. Files are delivered to your email the moment you buy, and you can re-download them any time. Single-business licence.