Set the amount and date
Create pots for annual bills, seasonal spending or planned purchases, with one-off or repeating target dates.
UK sinking funds tracker
Plan for the bills that do not arrive monthly.
Give Christmas, car insurance, holidays, home repairs and other irregular costs their own pots. Set the amount and date, then see what to put aside each month.
One-time purchaseWorks offlineNamed saving potsNo account
The actual light-mode dashboard, shown with the worked example.
A purpose for every pound
Turn future costs into monthly amounts
Each pot keeps the target, deadline, contribution plan and activity together, so you can see what is funded and what needs attention.
Calculate what to put aside
See the suggested monthly contribution and whether the current amount is enough to reach the target on time.
Record money in and out
Log top-ups, spending and transfers between pots while preserving the activity behind each balance.
Top up several pots together
Fund selected pots on one date or share a lump sum according to how much each target still needs.
See when costs land
View the next twelve months of target dates to spot the expensive months before they arrive.
Keep backups and calendar dates
Export a full backup, move fund data through CSV and create a calendar feed for target dates.
Every pot keeps its context
Know what the money is for and when it will be needed
The funds page brings the balance, target, category, deadline and source account together, with the next action available from the same card.
- On track, behind, reached and paused statuses
- Source and destination account labels
- Top up, catch up, spend and move actions
- Deposit and withdrawal history
- Recurring cycles for costs that return
The balance and the record stay together
Use the pot when the cost arrives
A sinking fund is not finished when it reaches target. Record the spend, start the next cycle or move money to another pot without losing the history.
- Partial or full spending from a pot
- Transfers between funds remain balance-neutral
- Reached dates stay visible on completed pots
- One-step catch-up amounts for pots behind schedule
- Pause and scheduled resume controls
- In and out totals in each pot history
How it works
Download it once and open it in your browser
No installation, app store or account is required.
Add the costs ahead
Choose common starter pots or enter your own targets, dates and categories.
Put money aside
Log monthly top-ups, fund several pots on payday or add a one-off amount.
Review the year
See progress, upcoming target months and the complete activity behind each pot.
Private by design
Your household plans stay on your device
The tracker runs locally in your browser. It has no account, cloud database or analytics, and it does not upload your targets, balances or account labels.
It does not connect to a bank or move real money. Export a JSON backup when you want to preserve or move the record.
Frequently asked
Before you buy
Which computers and browsers does it work on?
It works on Windows, Mac and Linux computers in a modern version of Chrome, Edge, Safari or Firefox.
What can I use a sinking fund for?
Any irregular or planned cost, such as Christmas, car insurance, an MOT, holidays, birthdays, home repairs or pet care.
Does it move money between my bank accounts?
No. It is a planning record. The account and pot labels show where you intend the money to sit, but the app does not connect to a bank.
Can I record spending from a pot?
Yes. Record a partial or full spend, keep it in the activity history and start a new cycle when a recurring cost comes around again.
Can I import and export a spreadsheet?
Yes. Fund data can be exported and imported as CSV. A JSON export remains the complete backup of the app.
What is included in the download?
The single-file UK Sinking Funds Tracker app, a quick-start guide, and licence and support details. Etsy delivers the download after purchase.
Give every irregular cost its own plan
Buy the UK Sinking Funds Tracker on Etsy, download it once and use it without an account or subscription.
Buy on Etsy