Annual Insurance Premium Sinking Fund Tracker

Six policies. $4,277 a year. And every single one arrives as a “surprise” — the $1,480 auto premium in April, the $640 life premium in February, the home policy in August. This tracker ends the surprises: list each policy once, with its premium, renewal date and what you have already saved toward it, and every premium gets an honest monthly price — what is still needed, spread over the months actually left before it renews.

What it does for you:
– Per-policy set-asides, not one blurry pot: auto insurance needs $196.00/month (5 months left, $980 to go), life insurance $80.00/month (3 months left) — each premium on its own countdown, each with its own Saved So Far.
– A per-paycheck number that rides payday: the sample’s $461.80/month total is also $230.90 per paycheck at 2 paychecks a month — small, automatic, done.
– The year, laid out: the Renewal Ladder shows which premiums land in which month for the next 12 months and the cumulative $3,965 they will ask for — February and April are heavy; you will know in November.
– Status without thinking: Building, Due soon (inside 2 months), or Funded when a policy’s saved amount reaches its premium.
– The habit lives in the budget: the zero-based Monthly Budget carries the Insurance Fund transfer beside everyday spending.

What’s inside (.xlsx, works in Excel AND Google Sheets):
– Start Here — plain-English setup + your settings (fund start date, paychecks per month)
– Premium Planner — premium, renewal date, months left, saved so far, still needed, monthly and per-paycheck set-aside, status per policy
– Renewal Ladder — premiums due by month for 12 months, with a cumulative total
– Expense Log — everyday spending, categorized
– Monthly Budget — zero-based, Budget vs Actual fills itself
– Dashboard — total premiums, set-asides, next renewal, biggest premium
– Monthly Summary — spending by month, Jan–Dec

Instant download. Yellow cells are yours to type in; every formula cell is locked (password sheetdaily, shown in Start Here) so nothing breaks by accident. Sample policies are pre-filled so you can see the countdowns working — replace them with your own. When a premium renews, update its date and reset its Saved So Far to whatever is left over.