Free Savings Distribution Tracker (Google Sheets)
Free Savings Distribution Tracker
Split your savings across pots automatically — Buffer, Goals, and Sinking Funds in one clear view
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Why Most Savings Plans Fall Apart
Keeping all your savings in one pot is the most common mistake. When everything is mixed together, you spend from your emergency fund without realising it, your goals blur into each other, and “surprise” bills keep derailing your progress.
This tracker solves that. Paste in your monthly income, set your split percentages, and it automatically shows you exactly how much goes to each pot — Buffer, Sinking Funds, Goals, and more.
What’s Inside
- Automatic split calculator — enter your income once, see every pot amount instantly
- Buffer pot — your emergency fund, tracked separately so you never accidentally spend it
- Sinking funds — car, Christmas, annual bills — pre-funded monthly so nothing surprises you
- Goal tracking — house deposit, holiday, or any savings target with a visual progress bar
- Google Sheets — works on any device, your data stays private
- No formulas to build — everything is pre-set, just fill in your numbers
💡 How to use it: Start by entering your monthly take-home pay. Then set your Buffer target (aim for £500–£1,000 first). Add your sinking funds (car, gifts, subs). Whatever’s left is your spending money. Simple, clear, and automatic.
Perfect If You…
- Keep raiding your savings without meaning to
- Have multiple savings goals but no system to manage them
- Get hit by “surprise” bills every few months (car, Christmas, renewals)
- Want a private, offline tracker that doesn’t require an app subscription
- Are ready to stop guessing and start saving with a plan
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