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Free Savings Goal Tracker (Google Sheets & Excel)

One row per goal: target, saved so far, what you add per paycheck. The sheet computes what's still to go and your honest percentage, and quietly celebrates when a goal hits 100%.

Download free (.xlsx) How to use it

Works in Google Sheets & Excel · no signup, no watermark, actually free

What's in it

Every goal on one screen

Emergency fund next to vacation next to new-laptop. Seeing them together is how you decide what actually gets funded first.

Per-paycheck thinking

Goals fund themselves when they're a line in every paycheck, not a leftover at month-end.

Progress you can feel

Percent-complete per goal, total saved across everything, and a green glow at 100%.

How to use it

Download the file: the button above grabs the .xlsx.
Google Sheets: drive.google.com → New → File upload → open it → File → Save as Google Sheets. Excel: just open it.
Add each goal with its target amount.
Update "saved so far" whenever you move money; payday is the natural moment.
Watch "% there" climb. That's it. Momentum does the rest.
The one rule: shaded cells are yours to type in. Everything else computes itself.

Questions

How many goals should I run at once?

Fewer than feels ambitious. One to three funded goals beat six starved ones; finish, then start the next.

Where should the money actually sit?

Most people use a savings account (or several) at their own bank. The tracker tracks; where you keep money is your call and your banker's.

Is this in the paid system?

Yes: The Payday System includes a savings tab wired into the paycheck plan and dashboard, so contributions happen as part of each check's five-minute plan.

Make the goals fund themselves.

In The Payday System, savings is a line in every paycheck plan and the dashboard shows total progress automatically. $29 once.

See The Payday System