Name the expense
Car repair, annual insurance, holidays, travel, school costs, gifts, taxes, or moving.
Template
Sinking Fund Planner.
Plan predictable irregular expenses before they raid your emergency fund.
Estimate the amount
Use a realistic number and add a small margin when the cost is uncertain.
Set the due date
Divide the remaining target by months left to find the monthly transfer.
Label the money
Keep sinking funds separate from emergency savings and daily spending.
Saving hub
Learn how sinking funds fit beside emergency funds and goal savings.
Open saving hubLife event checklists
Use sinking funds for moving, family, car, home, and career changes.
Open checklists