Sinking Fund Calculator
The expenses that wreck budgets aren't unexpected — they're just irregular. Set money aside monthly and they stop being emergencies.
Your numbers
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Set aside each month
$525.00
covers $6,300 of irregular costs a year
- Total annual irregular costs
- $6,300
- Per paycheck (twice monthly)
- $262.50
- Per week
- $121.15
- Largest single category
- $1,500
Keep this money separate from your emergency fund — it's already spoken for.
How to use this calculator
What belongs in a sinking fund
Anything you know is coming but doesn't arrive monthly: annual premiums, registration, the holidays, a predictable repair cycle. Genuine surprises belong in the emergency fund instead.
One fund or several
A single pot is simplest to run. Separate pots per category make it obvious when you're borrowing from the car fund to pay for gifts. Either works if you track the balance.
Common questions
How is this different from an emergency fund?
A sinking fund covers costs you can predict. An emergency fund covers the ones you can't. Mixing them makes it look like you have more of a buffer than you really do.
What if I'm starting mid-year?
Enter what you've already set aside and divide the remaining gap over the months left before each cost lands. The monthly number will be higher for the first year only.
This calculator is an educational estimate based only on the figures you enter. Verdi does not provide financial, investment, tax, legal, credit or lending advice. Actual rates, fees, taxes and terms offered to you may differ.