Track 5–15 sinking funds without a spreadsheet PhD.

What it does

If you've been tracking your sinking funds in a notes app, a janky spreadsheet, or just in your head — this skill replaces that in one paste. It's a sinking funds tracker for people who already drank the Kool-Aid (you know what a sinking fund is, you've read the YNAB blog) and just need the math done. Paste your goals with targets, current balances, deadlines, and monthly allocations and it returns a complete multi-goal savings dashboard: per-goal progress bars, projected hit dates, total monthly outflow, what-if scenarios, and account-placement notes for the long-horizon goals. It does the things a spreadsheet won't do on its own. Status logic (FUNDED, ON TRACK, AT RISK, BEHIND, DEADLINE PASSED, NO ALLOCATION) follows a canonical threshold table — no judgment calls, just math. The allocation cliff check flags the month when multiple deadlines hit at once, so you don't get surprised in September when property taxes, car insurance, and back-to-school all come due. For every goal with a horizon over 12 months it appends an account-placement one-liner (high-yield savings for under a year, CD ladder for 12–24 months, I-bond ladder for 24–60 months) so the money is in the right place. Three outputs every time: a visual HTML dashboard you can screenshot, a CSV with raw values, and a Google Sheets formula block built on a canonical column layout (Goal, Target, Current Balance, Monthly Allocation, Deadline, plus the computed columns) so you can paste it into your own tracker and have it recompute live. YNAB users get this built in. This is the sinking funds dashboard for everyone else.

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