Goal
Sinking fund tracker: the known costs that stop being emergencies
A sinking fund is money set aside for an expense you know is coming — car repairs, holidays, annual insurance. A sinking fund tracker schedules the monthly set-aside and shows the fund covering the charge on its date, so the "emergency" is already paid for.
- Scheduled set-asides
Monthly transfers build each fund automatically on payday.
- Charges matched to funds
The calendar shows the fund covering the charge on the day it lands.
- Shortfall warning
See if the fund will be short when the charge arrives — months in advance.
- Free core
Funds and the calendar are free forever.
The set-aside math
Each fund needs a target and a date: car repairs of $600 in twelve months means $50 a month. The tracker schedules the $50, shows the fund growing on the calendar, and flags the moment the charge date approaches with the balance in view.
Funds worth starting
- Car maintenance and repairs
- Holidays and travel
- Annual insurance and subscriptions
- Home repairs and appliance replacement
- Gifts and birthdays
Frequently asked questions
What is a sinking fund tracker?
A tool that schedules monthly set-asides for known future costs and shows the fund covering each charge on its date.
How is it different from an emergency fund?
Emergency funds cover unknown surprises; sinking funds cover known, dated costs — they are planned, not unexpected.
Is it free?
Yes — funds and the calendar are free forever.
Known costs, pre-funded
Free core, one-time Pro, no bank linking.