Sinking Fund Planner
Turn several irregular expenses and due dates into one per-paycheck savings schedule.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Plan upcoming costs
Payday transfer
Reserve $176.13 each paycheck
Monthly equivalent
$381.62
The steady amount these irregular costs add to the plan.
Car insurance
10 paychecks · $750 remaining
$75.00
Holiday gifts
17 paychecks · $1,000 remaining
$58.82
Car repairs
26 paychecks · $1,100 remaining
$42.31
Calculations stay in this browser and are not sent to the server.
About this tool
Method, assumptions, practical next steps, and limits.
Make irregular costs boring
Insurance premiums, repairs, registrations, gifts, and travel are not emergencies when their timing is known. A sinking fund spreads each cost over the paychecks available before it is due.
The formula
Per-paycheck contribution = (target − current balance) ÷ paychecks remaining
The planner calculates every goal separately, then adds them into one payday transfer. Keep a ledger or savings buckets so the combined bank balance still has named jobs.
If the transfer is too high
Prioritize required bills, move flexible dates, reduce optional targets, or fund the most urgent goal first. The tool surfaces the collision; it cannot create room that the spending plan does not have.
