Sinking Funds Made Simple
Plan ahead for irregular costs like car repairs, gifts and trips.
A clear system for turning irregular and annual expenses into small monthly amounts, so they stop surprising your budget. Includes 5 chapters, a Sinking Fund Calculator and an Annual Expense Calendar. One-time payment, lifetime access.
- 5 step-by-step chapters
- Sinking Fund Calculator
- Annual Expense Calendar
- Downloadable PDF
A guide you use, not a file you forget
Sinking Funds Made Simple runs as a web app in our member area. Read a chapter, use the tools, tick off the action, and pick up exactly where you left off.
5 guided chapters
Short, step-by-step chapters with a progress bar that shows what you have read and what comes next.
Sinking Fund Calculator
List each fund with its target, the amount already saved and the number of monthly deposits left before it is due. The summary shows the monthly amount for each fund, the total to set aside each month and, using your paychecks per month, the amount to move from each paycheck. Use 2 for twice-monthly pay or about 2.17 for every-two-weeks pay.
Annual Expense Calendar
Enter every irregular expense with the month it is due (1 = January through 12 = December) and its amount. Costs that come twice a year get two rows. The summary shows your yearly total, the average to set aside each month, your heaviest month and a month-by-month breakdown.
Action Roadmap
One concrete action per chapter, collected in a checklist so you always know the next thing to do in your kitchen.
Downloadable PDF
Every chapter in one clean, printable document. Save it as a PDF to read offline or keep a copy in the kitchen.
Chapter by chapter
A clear overview of what Sinking Funds Made Simple covers, so you know exactly what you are getting before you buy.
Format & delivery
- Interactive web app: chapters, tools and an Action Roadmap. Nothing to install.
- Your reading progress and tool entries are saved automatically in your browser.
- A downloadable PDF of every chapter for offline reading or printing.
- One-time payment in USD. No recurring charges.
- 01
Why Irregular Expenses Break Budgets
Most budget "emergencies" are bills that were always coming. Here is why they derail monthly plans, and how a sinking fund turns one big hit into small, calm deposits.
- 02
Find Every Irregular Expense You Actually Have
A 12-month statement scan and a category checklist that bring forgotten yearly, seasonal and every-few-years costs into the open.
- 03
Do the Math: Monthly Amounts, Catching Up and Priorities
The one formula behind every sinking fund, how to handle a due date that is too close, and a clear order for funding when the money does not stretch to everything.
- 04
Hold the Money: Where Your Funds Live and How to Track Them
Two practical setups (one savings account with a ledger, or several labeled sub-accounts), how to choose between them, and a tracking sheet that keeps every dollar assigned.
- 05
Spend From Your Funds and Keep the System Running
How to pay a bill from a fund, what to do with leftovers and shortfalls, a 15-minute monthly routine and a once-a-year reset.
One product. One price.
Pay once and keep access. Your login is emailed right after payment.
Sinking Funds Made Simple
$22USD · one-time payment
- 5 step-by-step chapters
- Sinking Fund Calculator
- Annual Expense Calendar
- Downloadable PDF
- Progress tracking and Action Roadmap
Secure checkout · Instant access · 7-day refund policy
Questions, answered
Sinking Funds Made Simple is an interactive web app with 5 chapters, 3 built-in tools (including an Action Roadmap) and progress tracking. You can also save every chapter as a PDF for offline reading or printing.
Right after payment we email your login details to the address you used at checkout. Log in on our website and the app opens in your browser. Nothing to download or install.
Yes. You pay $22 (USD) once and keep access to Sinking Funds Made Simple. There are no recurring charges.
Yes. The app works in any modern browser on phone, tablet or desktop. Your progress and tool entries are saved in the browser you use.
No. The first chapter starts from the basics, every method is explained step by step with worked examples, and the built-in tools do the arithmetic for you.
Write to us within 7 days of your purchase for a full refund. See our Refund Policy for the details.
No guide can promise that, and we never do. Sinking Funds Made Simple teaches methods, routines and tools; any result depends on your own income, expenses and circumstances. It is educational content, not financial, legal or tax advice.
7-day refund policy
If Sinking Funds Made Simple is not right for you, email us within 7 days of purchase for a full refund. Details in our Refund Policy.