Sinking Funds Calculator
Car registration, holiday gifts, insurance renewals — spread the cost of expenses you know are coming across the months before they hit.
Plan dated expenses
For each goal, remaining amount = max(0, target − already saved). Monthly contribution = remaining amount ÷ whole months left. No interest, fees or withdrawals are modeled. The months field counts contributions you will make before the expense is due; it does not inspect a calendar or bank account.
Check the example: A $600 goal with $100 already assigned and five contributions left needs $100 per contribution.
Inputs are processed in this page, not saved or submitted by this calculator. Reloading clears your entries. Results are educational estimates.
New to the idea? Read Separate emergency reserves from predictable expense goals.