Keel & Charter Calculators

Sinking Funds Calculator

A sinking fund is money set aside a little each month for a cost you know is coming, so it never lands as a surprise.

Results

How it works

Per fund: (target - saved) / months left. The total is what to move each month.

FAQ

Sinking fund vs emergency fund?

A sinking fund is for known costs. An emergency fund is for the unknown.

Where should I keep it?

Many people use a separate savings account or a labeled sub-account.

What if I fall behind?

Rerun it with what you have now; the monthly amount updates.

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Estimates, not tax or financial advice. Check important numbers with a qualified professional.