8 Unique Sinking Funds Tracker Printables

Not sure how to keep track of all your sinking funds? Having savings goals are great but it can get overwhelming to have lots of savings accounts.

The simple alternative is to keep track of all your sinking funds using fun and inexpensive sinking funds tracker printables! Below I’ve listed the best ones you can find.

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What is a Sinking Fund?

Before you can use a sinking fund, you first have to know what a sinking fund is. Basically, a sinking fund is a set amount of money you set aside for a specific goal.

This can be for fun things like vacation savings but can also be for known upcoming amounts of money. For instance, you know you have to pay your car insurance or life insurance premiums every year.

In some cases, you can get a discount for paying it in full instead of monthly payments. So you’d start a sinking fund where you divide the total amount of your premium amount by the number of months you have before it’s due.

Example: If your annual car insurance premium is $1,000, you’d need to put $83.33 per month into your car insurance sinking fund in order to have enough saved by the time it’s due.

Ok, now onto the best sinking fund trackers.

1. Bee $1,000 Savings Tracker

This adorable bee savings tracker is perfect for saving up for a $1000 sinking fund. Each honeycomb is labeled with a number.

Once your savings reaches the number on the honeycomb, you can color it in. There are 100 honeycombs in total and they increase in $10 increments.

This coloring worksheet works great for tracking your starter emergency fund and other sinking funds. Check it out here.

Saving more than $1000? You can get a blank honeycomb bee tracker here.

bee honeycomb $1k savings tracker coloring printable

2. Umbrella Rainy Day Fund Tracker

This umbrella rainy day fund tracker is fully customizable to any amount you want to save. There are 50 raindrops so divide your total money savings goal by 50 in order to determine the value of each raindrop.

As you save, color in the raindrops as you reach the savings threshold. Check it out here.

rainy day emergency fund printable tracker coloring sheet

3. $500 Unicorn Cloud Savings Tracker

This sinking funds tracker helps you save $500. Each part of the picture equals a different amount of money.

As you save money, you can color in the scene. This is perfect for anyone who loves unicorns, adults and children alike. Check it out here.

unicorn sitting on clouds $500 savings tracker printable

4. Savings Thermometer

This savings thermometer sinking funds tracker is perfect for saving up for your emergency fund, Dave Ramsey baby steps 1, vacations, birthday gift funds, Christmas presents, and more.

You get the navy blue and light green version as shown below as well as a plain black and white version if you prefer not to print in color. This savings thermometer is entirely customizable to fit whatever sinking fund goal you’re trying to reach. Check it out here.

savings thermometer printable coloring sinking funds tracker

5. Savings Jar

This adorable savings jar sinking funds tracker is filled with 100 marbles for you to color in. This savings tracker is easy for kids to use which makes it great for teaching about financial literacy and savings goals.

Simply divide your total savings goal by 100 in order to find out what each marble equals. Then as you save, color in the marbles. Check it out here.

savings jar printable coloring worksheet

6. House Savings Tracker

Are you saving for a downpayment on a house? This house savings tracker makes the long boring task of saving money for a home actually fun and motivating.

When you have large money goals, having a visual you can hang somewhere where you’ll see it every day is a huge step in keeping you motivated instead of worn out. As you save up your downpayment, color in the bricks.

There are 100 bricks total making it easy to divide your total savings goal by 100 to find out how much each brick is worth. Check it out here.

Have set goal amounts for your house savings? Check out these sinking fund trackers:

house savings sinking fund tracker

7. Unicorn Savings Tracker

This fun sinking fund tracker is great for adults and kids alike. If you love unicorns, this savings tracker is for you.

You can use the coloring sheet for any sinking fund amount, simply divide your savings goal by 10 to find out what each line is worth. As you save, color in the unicorn until you reach your goal. Check it out here.

unicorn sinking fund tracker coloring worksheet

8. Mason Jar Savings Tracker

One of the original sinking fund trackers that you can use for any savings amount. You can even print off multiple copies to have a tracker for each savings goal.

Divide your total amount by 10 to find out what each line equals. Color in the mason jar as you save. Check it out here.

mason jar sinking fund tracker coloring sheet

Examples of Sinking Funds

Wondering what sinking fund categories you can use these for? Here are some examples:

  • Medical (max out of pocket amount, future surgery)
  • Dentist/ Vision Expenses
  • Pets (upcoming vet expenses)
  • Vacation Savings
  • Home Maintenance
  • HOA Dues
  • School Tuition
  • Property Taxes
  • Christmas Spending
  • Birthday Gifts

These are only a few ideas. For a more complete list, check out these 21 sinking fund categories you should be using in your budget.

Sinking Funds Savings Trackers For All Your Needs

Now that you know about all of the sinking fund trackers available, you can make a plan to tackle your savings goals. Staying organized will help keep you on track with your money and these coloring trackers will give you a boost of motivation along the way.

Even better is that all of these trackers are digital downloads so you can print them off immediately at home to start using today. And once you download the file, you can reprint the tracker again and again whenever you set a new savings goal.

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Want somewhere to track your money across all accounts?  Grab this free financial dashboard to track your savings, retirement, net worth, and more!

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Steffa Mantilla

Certified Financial Education Instructor

Steffa is a Certified Financial Education Instructor (CFEI) and the founder behind Money Tamer. Her 12-year background in operant conditioning and positive behavioral change training is used to help people find effective motivators to change their harmful money behaviors. Steffa explains the reasons “why” behind people’s financial behaviors and how to successfully change them. After paying off over $80,000 in debt through budgeting, she now teaches families how to get their own finances in order. You can learn more about her here.

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