Sinking funds turn the big expenses you can see coming into small monthly amounts, so a car repair or a birthday does not feel like an emergency. The math is simple: goal divided by months left equals what to save each month.

Add your funds below and the planner does the dividing for you, including a per-paycheck amount. Prefer paper? Download the one-page printable and color in a circle each month.

How to use the Sinking Funds Planner

• Pick your funds, such as car repair, vacation, birthdays and holidays.
• Enter each goal and the month it is due, plus anything already saved.
• See what to set aside each month and per biweekly paycheck.
• Move the money into a savings account on a schedule so it happens automatically.

Next step

Your next step: Start with just two funds this month, the one due soonest and the one that stresses you out most. Then browse the free printables page for more trackers, or plan your holiday fund with the Christmas Spending Tracker.