Big bills, already paid for.
Save a little every payday for car insurance, Christmas, repairs and every other bill you know is coming. See what’s in each fund, what to set aside, and which ones are behind. No macros.
✓ One-off payment ✓ Instant download ✓ Excel for Windows & Mac
| Fund | Saved | Target | % saved | Per payday | Status |
|---|---|---|---|---|---|
| Car insurance | $700 | $1,200 | 58% | $50.00 | On track |
| Christmas gifts | $495 | $800 | 62% | $61.00 | Behind |
| Vacation | $800 | $2,500 | 32% | $100.00 | On track |
| Car repairs and tires | $830 | $1,500 | 55% | Ongoing | |
| Doctor and dentist | $520 | $750 | 69% | $32.86 | On track |
The bills that aren’t surprises, but still hurt
The yearly insurance bill
You knew it was coming. It still lands on the credit card.
Christmas on credit
December arrives, the money doesn’t, and January is spent paying it off.
The “emergency” repair
Tires, the dentist, the water heater. Not really emergencies, just unplanned.
Set it up once. Save a little every payday.
List your funds
Each thing you’re saving for, the target, when it’s due and whether it repeats every year.
Move the money
On payday, add a deposit for each fund. The tracker tells you how much.
Pay the bill from the fund
When it’s due, the money’s already there. Repeating funds start again by themselves.
Exactly what to set aside each payday
Every fund shows what’s saved, what’s left, how many paydays you have, and the amount per payday to be ready on time. Paid weekly, every two weeks, twice a month or monthly.
- Repeating funds roll on by themselves
- Ongoing funds with no due date
- Per payday total across all funds
| Fund | Target | Repeats | Next due | Left to save | Per payday |
|---|---|---|---|---|---|
| Car insurance | $1,200 | Every year | Feb 28, 2027 | $500.00 | $50.00 |
| Christmas gifts | $800 | Every year | Dec 20, 2026 | $305.00 | $61.00 |
| Annual subscriptions | $300 | Every year | Nov 30, 2026 | $50.00 | $12.50 |
| New laptop | $1,200 | No | Apr 19, 2027 | $1,050.00 | $75.00 |
| Car registration | $180 | Every year | Oct 21, 2026 | $15.00 | $15.00 |
See every big bill coming
The Dashboard lists what’s due next, how many days away it is and how much you’re still short, plus how much you’ve put in and paid out this year.
- Due in 90 days count
- Behind and Past due warnings
- Chart of your total growing
| Fund | Due | Days | Still short |
|---|---|---|---|
| Car registration | Oct 21 | 20 | $15 |
| Annual subscriptions | Nov 30 | 60 | $50 |
| Christmas gifts | Dec 20 | 80 | $305 |
| Doctor and dentist | Jan 15 | 106 | $230 |
| Car insurance | Feb 28 | 150 | $500 |
Every dollar in and out
Add a Deposit when you move money in, and Spent when you pay the bill. Each fund’s balance is worked out for you, even when it’s all in one savings account.
- One account, many funds
- Room for 20 funds and 1,000 transactions
- Pick funds from a drop-down
| Date | Fund | Type | Amount |
|---|---|---|---|
| Sep 1 | Vacation | Deposit | $200.00 |
| Sep 1 | Christmas gifts | Deposit | $60.00 |
| Sep 1 | Car insurance | Deposit | $100.00 |
| Sep 11 | Home repairs | Spent | $135.00 |
| Sep 19 | Christmas gifts | Spent | $45.00 |
For anyone tired of big bills wrecking the budget
Budgeters
Envelope and zero-based budgeters who want their sinking funds in Excel.
Families
Christmas, back to school, birthdays and the yearly insurance bills.
Car and home owners
Repairs, tires, registration and the things that always need fixing.
Everything you get
- Up to 20 sinking funds
- Target, due date and repeating funds
- Amount to set aside each payday
- Weekly, every 2 weeks, twice a month or monthly
- On track, Behind and Past due warnings
- Coming up list with what’s still short
- Transactions log for deposits and spending
- Dashboard with progress bars and a savings chart
- One-off payment, no subscription
One-off payment. Yours to keep.
Get instant access $7.99Secure checkout by Payhip · Card or PayPal
Download link emailed straight away
Hi, I’m Lee
I run Sheet Leveller on YouTube, where I make quick, no-nonsense Excel tutorials.
This tracker uses the SUMIFS, DATEDIF and EDATE formulas from my tutorials, so every fund works itself out.
Questions
Do I need a separate bank account for each fund?
No. Most people keep all their sinking funds in one savings account. The tracker shows how that one balance is split between funds.
What happens after a yearly bill is paid?
Add it as Spent. When the due date passes, the fund rolls on to next year’s date and starts again.
I’m paid twice a month. Does that work?
Yes. Choose Twice a month on the Settings tab and every per-payday amount updates.
Does it link to my bank?
No. You add deposits and spending yourself, which takes a minute each payday.
Does it use macros?
No. It’s a normal .xlsx file, so there are no security warnings and nothing to enable.
Which versions of Excel does it work with?
Microsoft 365, Excel 2010 or later on Windows, and Excel for Mac. It’s built for Microsoft Excel.
Is this a subscription?
No. You pay once and the file is yours to keep.
Next time the big bill comes, you’ll be ready.
A little every payday, for every bill you know is coming.
Get the tracker $7.99Want to see it first? Watch how it works on YouTube.