Sinking funds tracker printable to save ahead for the costs you expect

This sinking funds tracker printable helps you save small amounts every month for the larger costs you already know will come, like car repairs, birthdays, Christmas and vacations. The 6 undated pages include a list of yearly expenses, an overview with room for 14 funds, deposit trackers, color-in savings trackers and a monthly contributions log.

You get US Letter and A4 sizes as an instant PDF download.

How the sinking funds tracker printable ends money surprises

Write down each irregular cost you expect this year and divide it by twelve. Now you know the exact sum to put aside monthly, and those bills lose their power to surprise you. One overview page holds every fund with its goal and due date, while each fund tracker records the deposits and the balance as it builds.

Color-in trackers with 50 circles make saving visible and a bit playful, and they sit nicely beside cash envelopes in a budget binder. Nothing is dated, so you can begin any month and print a new set each year.

Who this sinking funds tracker is for

• Families worn out by surprise costs such as car repairs, school expenses and Christmas
• Cash stuffers and anyone putting together a paper budget binder
• New budgeters looking for an easy, step by step way to save in advance
• Anyone saving toward several goals at once, like a vacation, a new phone or an emergency fund

Design and printing

• Minimal, elegant design in white, finished with gentle blush pink accents that need little ink
• Roomy margins on every sheet, so a home printer never clips the edges
• Portrait pages in US Letter, 8.5 by 11 inches, and A4, 210 by 297 mm
• No dates printed, so you can start in any month and print a new set every year
• Four fund trackers or six color-in trackers fit on one sheet, so only a few pages cover every fund
• Keep it in a binder or on a clipboard, or ask a print shop to spiral bind it

Inside the sinking funds tracker: 6 pages

1. 1Cover showing contents, with lines for your name and the year
2. 2Yearly expenses list opening with a brief explanation of sinking funds, then a table of 16 typical irregular costs (car repairs, Christmas, birthdays, vacation, back to school, medical and dental, pet care, yearly subscriptions and others) and 4 empty rows, each with the cost for the year, a divide by 12 monthly figure and a fund it box, plus yearly and monthly totals
3. 3Sinking funds overview with room for 14 funds, listing each goal, its due by date, the monthly amount, savings so far and a done box, plus the total saved, where the money sits and which fund you will open next
4. 4Fund trackers, four on each page, every one showing the fund name, goal, target date and a 9 line log of date, amount added and balance
5. 5Color in savings trackers, six on each page, every one with 50 numbered circles, the fund name, the goal and the value of each circle
6. 6Monthly contributions log, a table from January through December for 12 funds with totals for each month, your biggest win of the year and tweaks for next year

What you download

• Sinking Funds Tracker in US Letter, a 6 page PDF
• Sinking Funds Tracker in A4, a 6 page PDF
• Read Me First, a brief PDF printing guide

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 only the pages you need, as often as you like, for your own personal use.

Good to know

• This tracker is a PDF made for paper rather than a hyperlinked digital planner. You can still open it in most note taking apps to write on it.
• You will receive a downloadable file. Nothing physical is posted.
• Colors may vary a little between your screen and the printed page.
• Personal use only. Sharing, reselling or passing on the files is not permitted.
• Digital files cannot be returned. If something will not open or prints wrongly, email us and we will help right away.
• This is a tool for personal budgeting and does not give financial advice.

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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