A5 sinking funds tracker inserts so big bills never catch you off guard

This A5 sinking funds tracker gives your binder 12 undated pages for planning, filling and following the money you save for expenses you can see coming. The inserts are made for A5 ring binders, half letter binders and discbound planners, and print-and-cut A4 and Letter versions are included. You download both page sizes and both cut sheets instantly, and nothing is shipped.

Print a fresh set each year and start in whichever month suits you.

How the A5 sinking funds tracker takes the surprise out of spending

Begin with the yearly expenses list. It already names 16 typical irregular costs, such as car repairs, Christmas, birthdays and pet care, and helps you work out the monthly amount for each.

Move your funds onto the overview page, then record deposits and withdrawals in the fund trackers, or color one of 50 circles whenever you add money. The monthly contributions log opens as a spread, with January to June on the left page and July to December on the right, and the spending log shows every time a fund covers the cost it was built for. A 14 mm inner margin trades sides on odd and even pages, so everything opens as proper spreads in your binder.

Who these sinking fund inserts help

• Paper budgeters using an A5 6-ring, half letter or junior discbound planner
• Families worn out by unexpected costs such as car repairs, school fees and the holiday season
• Cash stuffers who keep one envelope or one savings account per fund
• New budgeters looking for a calm, step-by-step way to plan a whole year ahead

Design and printing

• Elegant and minimal: white pages with soft blush pink touches that go easy on ink
• Roomy margins all around, so a home printer will not trim anything off
• Portrait pages sized A5 at 148 x 210 mm or Half Letter at 5.5 x 8.5 in, plus cut sheets you print on A4 or US Letter
• Undated, so you can begin in any month and print a new set every year
• A 14 mm binding margin placed left on odd pages and right on even pages, with 8 mm at the outer edge
• Lines at least 6.5 mm apart and text never below 8.5 pt, so the small page stays comfortable
• Each cut sheet has a dashed center line and cut ticks, so a single cut gives two pages
• Keep the pages in a binder or on a clipboard, or ask a print shop to spiral bind them

Inside the A5 sinking funds tracker: 12 pages

1. 1Cover showing the contents, with your name and the year
2. 2Yearly expenses list, a brief explanation of how sinking funds work and an 18-row table (16 typical irregular costs already listed, 2 rows blank) with the yearly cost, the monthly share and a checkbox to fund it
3. 3Yearly expenses list, continued, with 15 empty rows, yearly and monthly totals and a tip for costs that fall due in under a year
4. 4Sinking funds overview, 18 rows for each fund, its goal, the date it is needed by, the monthly amount, the sum saved and a done checkbox
5. 5Overview, continued, with the combined goal and total saved, where the money is kept, the next fund to open, a checklist for your monthly money date and notes
6. 6Fund trackers, two on the page, each with the fund name, goal, date needed and an 8-row log for date, money added, money taken out and balance
7. 7Big fund tracker for one large goal, with the fund, goal, date needed, monthly amount, start date, your reason for saving, a progress bar from 10% to 100% and a 12-row log of deposits and withdrawals
8. 8 and 9Color-in savings trackers, two on each page (four altogether), each with the fund, goal, a line for what one circle is worth and 50 numbered circles
9. 10Monthly contributions log for January to June, with 12 rows for funds, a total row and notes
10. 11Monthly contributions log for July to December, with 12 rows for funds, a total row, the year's biggest win and changes for next year
11. 12Fund spending log, 19 rows for the date, the fund, the expense it covered, the amount and the balance remaining

Files you receive

• A5 file (148 x 210 mm, 12 pages): Sinking Funds Tracker A5 & Half Letter Inserts
• Half Letter file (5.5 x 8.5 in, 12 pages): Sinking Funds Tracker A5 & Half Letter Inserts
• A4 print-and-cut PDF, two A5 pages on each landscape sheet, 6 sheets
• US Letter print-and-cut PDF, two half letter pages on each landscape sheet, 6 sheets
• Read Me First (PDF) with printing, cutting and hole punching guidance and a page finder

How to download and print

• Check out with PayPal, a debit or credit card, Apple Pay or Google Pay. Your download page opens as soon as the payment goes through.
• We email the same private download links to you, so you can download your files again later.
• Open the PDF in a free reader such as Adobe Acrobat Reader and print at 100% or Actual size.
• Print the A5 or Half Letter file on small paper, or print a print-and-cut file on A4 or US Letter paper and cut each sheet in half.
• Print only the pages you need, as often as you like, for your own personal use.

Please note

• The tracker is a set of print-ready PDFs, not a hyperlinked digital planner. You can still import the file into a note taking app and handwrite on it.
• It is a digital download only, so nothing physical will arrive.
• Colors on paper may look a touch different from your screen.
• For your personal use. Kindly keep the files to yourself rather than sharing, reselling or redistributing them.
• Digital files cannot be returned. If a file will not open or print properly, email us and we will help quickly.
• This is a tool for personal budgeting and is not financial advice.
• Since each binder brand spaces its rings differently, no holes are marked. Punch the roomy inner edge with an A5 6-hole, junior or disc punch you own.

How this was made

Designed and written by PetiteDiary. AI tools helped draft parts of the text, and some background scenes in the preview images were created with AI. Every page was designed, reviewed and checked before release.

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