Track multiple savings goals simultaneously — vacation, home down payment, new car, wedding, or any financial target. See progress bars, monthly contribution plans, and projected completion dates for each goal.
This tracker includes 4 sections covering everything you need.
All active savings goals with targets and progress.
| Goal | Target Amount | Current Savings | % Complete | Monthly Contribution | Target Date | On Track? |
|---|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- | --- |
Planned monthly contributions across all goals.
| Goal | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
Actual deposits made toward each goal.
| Date | Goal | Amount | New Balance | Notes |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Figure out how much to save monthly to reach any goal by a target date.
| Goal Amount | Current Savings | Remaining | Months Until Target | Monthly Amount Needed |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Follow these steps to get the most out of this template.
List every savings goal with its target amount and desired completion date.
Calculate the monthly contribution needed: (Target - Current) / Months Remaining.
Prioritize goals — fully fund high-priority goals before spreading money thin across all of them.
Set up automatic transfers on payday so saving happens before spending.
Track actual contributions monthly and adjust if you fall behind or get ahead.
When a goal is reached, redirect its monthly contribution to the next priority goal.
Anyone saving for multiple goals at the same time (vacation, car, home, etc.).
Visual planners who are motivated by seeing progress bars fill up.
People who need to figure out realistic timelines for their financial goals.
Couples planning for major life events like a wedding or first home.
This template is great for manual tracking, but Clarity automates everything for you. Connect your bank accounts, brokerages, exchanges, and wallets and see real-time data without entering a single number.
A hybrid approach works best. Always maintain emergency fund contributions. Then focus 70-80% of extra savings on your top priority goal and 20-30% on secondary goals. This creates focus without completely ignoring other goals.
Either extend your target date or reduce the goal amount. You can also look for ways to boost savings: sell unused items, reduce subscriptions, or take on temporary side work. Even saving less than the ideal amount still makes progress.
For goals less than 3 years away, use a high-yield savings account (no market risk). For goals 3-5 years out, consider a conservative mix of bonds and CDs. Only invest in stocks for goals more than 5 years away.
Other templates you might find useful.
Emergency Fund Tracker
Track your progress toward a fully funded emergency fund. Set your target based on monthly expenses, track contributions, and monitor your emergency fund as a percentage of your goal.
SavingsSinking Fund Tracker
Plan for predictable irregular expenses by saving small amounts monthly. Track sinking funds for holidays, car maintenance, annual insurance premiums, home repairs, and other expenses that are not monthly but are not surprises.
BudgetingMonthly Budget Template
A comprehensive monthly budget spreadsheet that tracks your income, fixed expenses, variable spending, and savings in one place. Includes automatic totals and a spending-vs-budget comparison column.
Clarity connects to your financial accounts and automates what this template does manually. Real-time data, zero data entry, and AI-powered insights.