Calculator · (goal − saved) ÷ paydays left
Goal ÷ paydays left.
Holidays, a car repair, an annual bill: none of them are surprises. Pick the date, count the real paydays left, and split the goal across them.
Holidays, car repair, vet, a trip, an annual bill.
Set aside from every paycheck
$150.00
$600.00 left ÷ 4 paydays = $150.00
Paydays before Dec 24
- 01 Nov 6
- 02 Nov 20
- 03 Dec 4
- 04 Dec 18
- Goal
- $600.00
- Already saved
- −$0.00
- Still to save
- $600.00
- Per paycheck
- $150.00
Goal ÷ paydays left. If the number feels too big, shrink the goal, not the plan.
Example math · not financial advice
How the math works
Every step, on screen.
Same method as the examples on @nodpost. Change any input and the numbers redo themselves.
- 01
Set the goal
What it will cost and how much is already saved.
- 02
Pick the date
When you'll need the money: Dec 24 for gifts, the renewal date for an annual bill.
- 03
Count real paydays
Every payday from your next one to the due date, on your schedule. Biweekly from Nov 6, 2026: Nov 6, Nov 20, Dec 4, Dec 18.
- 04
Divide
(Goal − saved) ÷ paydays left. $600 ÷ 4 = $150 a paycheck.
FAQ
Short answers.
What is a sinking fund?
Money set aside a little at a time for a known future cost, like holidays, car repairs or an annual bill, so it doesn't come out of one paycheck or your emergency fund.
How much should I save per paycheck?
Divide what's left to save by the number of paydays before you need it. This calculator counts the actual paydays on your schedule.
What if the number is too high?
Shrink the goal, not the plan, or start earlier next time. A smaller fund you fill beats a big one you skip.
Educational content, not financial, tax or legal advice. Results are estimates from the inputs you enter and simplified methods shown on this page; your lender, card issuer, employer or tax return may calculate differently. Read the full disclaimer.