Pet Emergency Fund Tracker

A 2 a.m. emergency vet visit is not the moment to discover what you can afford. This tracker sizes your pet’s emergency fund from what vet care actually costs, then walks you there month by month: set a target ($3,000 in the sample, against a $2,800 swallowed-object surgery), log what is already saved, and the planner shows what is still to save, the month the fund is full at your set-aside, and exactly which emergencies today’s balance already covers.

What it does for you:
– Sizes the target from real vet bills, not round numbers — a coverage table prices six typical emergencies (exam + diagnostics $450 up to swallowed-object surgery $2,800) and marks each one Covered now, Covered when full, or Beyond target.
– Gives the fund a finish date: $900 saved of $3,000 at $150/month is full by December 2027 — and shows the $175/month pace that would finish in 12 months instead.
– Keeps a Vet Cost Log of every real bill, emergency and routine: the sample year totals $1,208 across 5 bills, $753 of it emergencies, with a $251 average emergency bill — the number that sizes next year’s target honestly.
– One bill should not wreck the month: the zero-based Monthly Budget tracks the Pet Fund transfer and everyday spending side by side, so the set-aside survives contact with real life.
– The Dashboard answers the only questions that matter at a glance: how much is saved, how much is left, when it is full, and what it already covers.

What’s inside (.xlsx, works in Excel AND Google Sheets):
– Start Here — plain-English setup + your settings (pet, target, saved, monthly set-aside, start date)
– Fund Planner — still to save, months to full, completion date, and the emergency coverage table
– Vet Cost Log — every bill with running total, emergency vs routine totals, biggest and average emergency bill
– Expense Log — everyday spending, categorized
– Monthly Budget — zero-based, Budget vs Actual fills itself
– Dashboard — the whole fund position on one screen
– 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 pet, bills and spending are pre-filled so you can see it working — replace them with your own.