Fund It Before It F*cks You | Sinking Funds & Savings Goals Planner

Future You has bills too. Rude, but statistically consistent.

Fund It Before It F*cks You is an interactive sinking funds and savings goals spreadsheet for planning future expenses before they turn into emergencies, debt, or one of those months where every annual bill develops impeccable timing.

Inside the planner:

• Goal Vault for up to 20 savings goals and sinking funds
• Automatic monthly funding targets based on amount remaining and deadline
• Priority and deadline ranking
• Payday Allocator with suggested contributions per payday
• “I Can’t Fund Everything” waterfall that protects higher-priority, nearer-deadline goals first
• Annual Calendar showing which months carry the biggest future costs
• Scenario Lab for testing extra income, lump sums, delayed deadlines and different funding limits
• Savings Log for real contributions and withdrawals
• Live dashboard with total target, saved amount, still needed, monthly requirement, goal health and funding-gap warnings
• Supports € / $ / £

Useful for car costs, insurance, Christmas, holidays, school expenses, birthdays, home repairs, annual subscriptions, emergency savings, moving, weddings and every other expense that humans insist on describing as “unexpected” despite it occurring annually.

Format: Digital spreadsheet (.xlsx). Works best in Microsoft Excel and compatible spreadsheet apps. Google Sheets users can upload the workbook, although some formatting may need a quick review after import.

Digital product: No physical item will be shipped.

This is a budgeting and planning tool, not financial advice.