Free sinking funds tracker 2027
A sinking fund is a small pot you fill each month for a bill you know is coming: the MOT, car insurance, Christmas, birthdays, the vet. When the bill arrives, the money's already there.
Download the PDF (2 pages, free)
How much a month?
| Fund | Target £ | Months away |
|---|---|---|
What's on the printable
- Page 1, the planner: 10 funds with a target, due date, months to go and the amount per month, plus a list of ideas so you don't forget the yearly ones.
- Page 2, the tracker: a February 2027 to January 2028 grid for colouring in or writing what you put in each month, with running totals.
Sinking fund ideas (UK)
MOT and service · car insurance and tax · TV Licence · Christmas · birthdays · holidays · school uniform and trips · glasses and dentist · pet insurance and vet · home insurance · boiler service · annual subscriptions (Amazon Prime, apps) · professional fees · weddings.
How to run them
- Open one easy-access savings account. Many banking apps let you split it into named "pots" or "spaces", one per fund.
- Set a standing order for the total on the day after payday.
- When a bill arrives, pay it from its pot. If there's money left over, roll it into next year's fund.
Trying to cut back first? The free no-spend January calendar and subscription cost calculator help you find the money to fund your pots.
See every bill as one monthly number, and stop direct-debit surprises.
A Google Sheets and Excel planner that turns every bill into a monthly cost, and covers council tax, energy readings, a monthly budget and a savings goal.
Get it for £7 →Reset your money in January, with a no-spend streak tracker that adds up what you've saved.
A 31-day no-spend calendar with streaks, a January reset budget, a subscriptions audit, money found and 2027 savings goals, in Google Sheets and Excel.
Get it for £5 →All 10 paid templates (worth £54) for £15: £1.50 each.
Every paid Tidy Life template in one download: budget, bills, debt, Self-Assessment, landlord & MTD, Christmas, January reset, Vinted, house move, meal plan and job hunt.
Get it for £15 →FAQs
What is a sinking fund?
Money you save a little at a time for a known future cost, like the MOT, Christmas or car insurance, so it doesn't land on a credit card when it's due.
What's the difference between a sinking fund and an emergency fund?
A sinking fund is for costs you know are coming. An emergency fund is for the ones you can't predict, like a broken boiler or losing your job. Most budgets need both.
Is the tracker really free?
Yes. It's a direct PDF download with no email or sign-up.
Related calculators & guides
Free February planner (PDF) · All free printables (PDF) · Valentine's budget · Free no-spend calendar (PDF) · Free Christmas checklist (PDF) · Free spring money checklist (PDF) · ISA allowance tracker · Savings goal
- Cash-stuffing budget binder with zip envelopes (Amazon)
- Savings tin money box (open with a tin opener) (Amazon)
- Undated monthly budget planner book (Amazon)