What's inside
- Up to 20 funds, each with a goal, a target date, a starting balance and what you plan to save each month
- Calculated for every fund: balance, a progress bar, months left, the amount needed per month, and a status (On track / Short $x a month / Due now / Funded)
- A log for every transfer in or out, with dropdowns and a check column that catches a misspelled fund name, missing fields and future-dated entries
- Overview: total saved vs total goals, planned vs needed each month, how many funds are on track, and a balance-vs-goal chart
- Year view: deposits by fund and month, with a check that every logged deposit is counted
- Sample file: 8 funds and 9 months of transfers. $5,600 saved toward $10,880 of goals; 7 of 8 on track, with one fund $24.67 a month short
Checked, not just designed: 1,074 formulas, zero errors, and every balance, monthly amount and status was recomputed independently from the raw entries, including edge cases like a fund past its date or a misspelled fund name.
Works in Excel and Google Sheets.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.