Home · Spreadsheet templates · 50/30/20 budget calculator · Debt payoff calculator
List what you are saving for, how much you already have and when you need it. See how much to save each month for each goal, the total, and whether it fits what you can set aside. Free, no sign-up, runs in your browser. Any currency.
| Goal | Target | Saved so far | Need it by |
Leave a row's name empty to skip it.
Save per month for all goals
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Spare (+) or short (-) per month
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Left to save
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Overall progress
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| Goal | Left | Done | Months left | Per month |
Months left counts the current month. If you are short, move a date later, lower a target or save for the most urgent goal first.
The Savings Goals & Sinking Funds Tracker does this for up to 20 goals in an .xlsx file for Excel, Google Sheets and Apple Numbers, with a deposit and withdrawal log, progress bars, what to save per month to hit each date and savings by month. , instant download, no subscription.
Get the Savings Goals Tracker ($5) or on Etsy
Or the Personal Finance Spreadsheet Bundle ($9, 3 files): monthly budget planner + debt payoff planner + savings goals tracker.
Left to save = target − saved so far (never below zero).
Months left = full months from today to the goal date, plus the current month. A goal due later this month has 1 month left; a date in the past has 0 and the whole amount left is due now.
Save per month = left to save ÷ months left. Add these up to get what all your goals need each month, then compare with what you can set aside.
Emergency fund (often 3-6 months of essential costs), car repairs and insurance, holidays and travel, birthdays and holiday gifts, yearly subscriptions, medical and dental, home repairs, a new phone or laptop, and a house deposit.