Sinking Fund Calculator
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Planning estimate only — not financial or tax advice. Consult a qualified professional for personal decisions. Monthly set-aside to reach a future expense goal.
Rates last reviewed: July 2026
Goal & timeline
Monthly contribution
$150.00
12 months to $1,800.00
- Goal
- $1,800.00
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Sinking fund contributions
A sinking fund saves incrementally for a known future expense — holidays, insurance premiums, or car repairs. Monthly payment = goal ÷ months at 0% interest, or the annuity payment formula with interest.
Periods are in months. Enter an annual rate if you keep the fund in an interest-bearing account; otherwise leave 0%.
Example: $1,800 goal in 12 months at 0% → $150/month.
Official sources
Rates and formulas in this calculator are based on the documentation below. Platforms change fees — confirm current numbers before pricing or payouts.
Common questions
Sinking fund vs emergency fund?
Emergency funds cover unknown shocks. Sinking funds cover planned, dated expenses you can name in advance.
What if I miss a month?
This calculator assumes steady contributions. Adjust the remaining months or increase payments if you skip.