Sinking fund calculator
How much to set aside each month (and each paycheck) so the big bills you already know about are paid when they arrive.
Sinking Funds Tracker 2027
Track every fund with progress bars, a deposit log and a monthly plan.
How the math works
For each expense: still to save ÷ months left. Months left counts the current month through the due month, so a $1,200 bill due June 30 with $200 already saved, starting in January, needs $1,000 over 6 months: $166.67 a month. Paid biweekly, that is $166.67 × 12 ÷ 26 = $76.92 per paycheck; weekly, × 12 ÷ 52.
What is a sinking fund?
Money you set aside a little at a time for an expense you know is coming, like car insurance, holiday gifts or a vet visit, so the bill is already covered when it arrives.
How is a sinking fund different from an emergency fund?
A sinking fund is for predictable expenses with a known amount and date. An emergency fund is for the ones you cannot predict, such as a job loss. Keeping them separate stops one from eating the other.
Why is the per-paycheck amount lower than the monthly amount?
With biweekly pay you get 26 paychecks a year, about 2.17 a month, so each paycheck carries a bit less than half of the monthly amount.
Organizing tool, not financial advice. Examples use made-up numbers.