Sinking fund calculator
Turn a future expense into a monthly set-aside, including what you already saved.
Sinking fund calculator
Give an upcoming bill its own monthly savings plan.
Updates as you typeYour numbers
Start with the example. Change it to fit your plan.
Amount in US dollars.
Amount in US dollars.
Amount in months.
Count only deposits you can make before the bill is due. Savings here are reserved for this expense.
Your result
6 monthly deposits before this bill is due.
A funded bill, one deposit at a time
- Reserved savings
View chart values
| Month | Reserved savings |
|---|---|
| 0 | $300 |
| 1 | $450 |
| 2 | $600 |
| 3 | $750 |
| 4 | $900 |
| 5 | $1,050 |
| 6 | $1,200 |
Two paychecks per month is different from biweekly pay. The twice-monthly amount also rounds up so the plan does not fall short.
Keep a copy of your plan
Excel and PDF use the numbers above. Google Sheets opens a separate example in your Drive; to bring your own numbers, import the downloaded Excel file.
Saved only in this browser.
Choose the first date. Reminders follow the deposit or payment schedule above, with the last amount adjusted when needed. No calendar account is connected.
Files are created in this browser. Financial inputs are not sent to our server.
Results are educational estimates from your inputs and the assumptions shown, rather than a guarantee or individual financial advice. About our estimates.
Put your plan into practice
Start a Christmas Sinking Fund in November: A Short-Deadline Plan
Starting your Christmas sinking fund in November still works if you size the weekly transfers to the weeks you actually have left. Here is a worked $600 plan with six dated deposits.
Read guide →Sinking Fund Categories: 12 Expenses Worth Planning For Ahead of Time
A sinking fund turns a future expense into a small, predictable monthly habit. Here are 12 categories worth planning for, plus how to size each without guesswork.
Read guide →The Annual Bills Calendar: Plan for Expenses Before They Surprise You
Annual and irregular bills can wreck a monthly budget if you forget them. Build a simple calendar so you can save a little each month and pay without stress.
Read guide →