📋
Sinking Funds Planner
Add your upcoming expenses, set a due month, and get a personalised month-by-month savings plan — free, printable, no interest.
Free · No signup · Interest-free · Your data stays in your browser
📖 How to use this planner
1
List your expensesLook back 12 months — every lump sum that surprised you belongs here.
2
Set a target & due monthEstimate generously — leftover money rolls into next year's fund.
3
Build your planThe planner spreads every cost into monthly set-asides and flags anything tight.
4
Print & follow itStick the plan somewhere visible. Tick off each month as you save.
1
Add your upcoming expenses
Think ahead 12 months — any big or irregular cost that would hurt if it arrived unplanned. Start with your biggest ones.
Please fill in the expense name and target amount above first.
2
Your saving rhythm
How you get paid, your currency, and an optional monthly cap.

What is a sinking fund?

A sinking fund is money you set aside every month for a big expense you know is coming — car insurance, school fees, holidays, home repairs. Instead of facing a painful lump sum or reaching for a credit card, you divide the total into small planned monthly amounts and save ahead. When the bill arrives, the money is already waiting.

Sinking funds are the opposite of borrowing. Borrowing means paying after the expense with interest added. A sinking fund means paying before the expense, with no interest and no debt.

How the formula works

Monthly set-aside = (Target amount − Already saved) ÷ Months until due Weekly = Monthly × 12 ÷ 52 Fortnightly = Monthly × 12 ÷ 26

No compound interest. No APR. No investment projections. What you save is exactly what you have — fully interest-free and halal-compliant.

Common sinking fund categories

  • Vehicle: insurance, registration, annual service, tyres
  • Home: repairs, maintenance, appliances, contents insurance
  • Family & celebrations: Eid, Christmas, Ramadan, birthdays, weddings
  • Education: school fees, uniforms, stationery, university
  • Travel: holidays, flights, Umrah, Hajj
  • Health: dental, glasses, specialist appointments
  • Annual bills: subscriptions, memberships, software renewals

Sinking fund vs emergency fund

A sinking fund covers expenses you can see coming. An emergency fund covers expenses you cannot see coming. Both are essential — sinking funds keep planned costs from feeling like emergencies, and your emergency fund stays untouched for genuine surprises.

Frequently asked questions

A separate savings account works best — keep it apart from everyday spending so it is never accidentally used.
Most households run three to eight. Start with your two or three largest irregular expenses and build the habit before adding more.
Set a monthly limit in Step 2 — the planner will warn you and show which funds are under pressure. Options: extend a due date, reduce a target, or pause the lowest-priority fund.
No. This planner is fully interest-free. What you save is exactly what you have — no interest projections, no APR, fully halal-compliant.
Only if you choose to save it. After your plan is built, you'll be asked if you want to save your data in your own browser for next time. Nothing is ever sent to any server.
Yes — select your pay frequency in Step 2 and the planner converts all amounts automatically.
Scroll to Top