The Stuffo field guide

Five sinking fund examples you can adapt

A sinking fund gives a future expense its own place in your plan. The useful part is the target and timing, not a long list of categories.

Every amount below is fictional and demonstrates arithmetic only. Replace the target, what is already set aside and the number of contributions with your own figures.

Read the contribution count literally

Six contributions could mean six paydays, six weeks or six months. It means six dates on which you plan to set something aside before the expense. Count the actual dates before using any example.

A worked holiday example

A $300 target with $60 already set aside leaves $240. Across six contributions, $240 ÷ 6 = $40 each. If only four contributions remain, the same gap is $60 each. Changing the date changes the plan; it does not change what you already have.

Choose categories you can maintain

A category for an annual bill can be useful when you know its due date. A replacement goal might use an estimated target that you revise later. You do not need all five categories here; each is a separate illustration.

Keep planned expenses separate from surprises

These examples describe named future costs. An emergency reserve has a broader purpose and is not represented by the table. This worksheet does not estimate what that reserve should be.

Put your own figures through the calculator

Calculate a contribution

The calculator handles uneven cents and already-funded targets. To understand the method first, read sinking funds explained.

Keep your envelopes on Android

Stuffo records your funding and spending manually, with savings targets and dates. No bank connection or account needed.

Android · English · One USD budget. Your entries do not move real money.