Savings Goal & Net-Worth Tracker — Multiple Goals and Sinking Funds
The Savings Goal & Net-Worth Tracker keeps all of your savings goals in one place — an emergency fund, a holiday, a car, a deposit — and shows how close each one is. Set a target and a date, log your contributions, and the tracker tells you the monthly amount needed and your overall net worth. It works in Google Sheets and Excel.
Track Multiple Savings Goals at Once
Most savings tools only handle one goal. This tracker lets you run several side by side, each with its own target, current balance, and progress bar. You can see at a glance which goals are ahead, which are behind, and how much you have saved across all of them.
Built-In Sinking Funds Dashboard
A sinking fund is money you set aside a little at a time for a known future cost — insurance, holidays, car repairs. The tracker has a dedicated dashboard for these, so irregular bills stop being a shock. You decide what to save each month and the sheet keeps the balances tidy.
Watch Your Net Worth Grow Over Time
Beyond individual goals, the tracker adds up your savings and balances into a single net-worth figure you can update each month. Seeing that number rise over time is one of the most motivating things in personal finance, and the tracker plots it for you without any manual calculation.
Set a Target Date and See the Monthly Amount Needed
For each goal you enter how much you need and when you want it. The tracker works backward to show the monthly contribution required to hit the target on time, so a vague wish becomes a concrete plan you can budget for.
What's Included
- Multiple savings goals tracked side by side
- Progress bar and percentage complete for each goal
- Dedicated sinking-funds dashboard for irregular costs
- Automatic monthly amount needed to hit each target on time
- Running net-worth figure updated as you log balances
- Editable goal names, targets, and dates
- Works in Google Sheets and Microsoft Excel
Frequently Asked Questions
What is a sinking fund?
A sinking fund is money you save gradually for a known future expense — like car insurance, holidays, or repairs — so the bill does not blow up your budget when it arrives. The tracker has a dashboard built specifically for managing these.
Can I track more than one goal at a time?
Yes. That is the point of this tracker — you can run an emergency fund, a holiday, a deposit, and more at the same time, each with its own target, progress bar, and date.
How does it know my monthly amount needed?
You enter the target amount and the date you want to reach it. The tracker divides the remaining amount by the months left, so you always see the contribution required to stay on schedule.
Is this the same as a budget planner?
No. A budget planner manages your month-to-month income and spending. This tracker focuses on longer-term goals and your net worth. Many people use both — the budget frees up money each month, and this tracker shows where it is going.