Savings & Goals · Calculator
A sinking fund turns big irregular costs into smaller monthly contributions so they do not become emergencies.
Enter the target expense, months until you need it, and any amount already saved to get your monthly set-aside.
Monthly set-aside = (Target expense − Current sinking fund) ÷ Months left
Use sinking funds for car repairs, holidays, annual insurance, gifts, and other predictable non-monthly costs.
Target expense is $1,200 in 8 months with $200 already saved.
| Line item | Amount | Calculator field |
|---|---|---|
| Target expense | $1,200 | Target amount ($) |
| Months until needed | 8 | Months left |
| Current sinking fund | $200 | Already saved ($) |
Add this monthly amount to your budget before discretionary spending.
Keep sinking funds in separate labeled buckets so money is not accidentally spent.
Turn this into a real monthly plan. Set income, caps, and alerts in Ziko — free, no bank login.
Create Free Account →