Savings & sinking funds.
How to save for things you know are coming — without letting irregular expenses blow up your budget.
4 articles
How sinking funds work — and why your budget needs them.
A sinking fund is money you save monthly for an expense you know is coming. Here's how to set one up and which categories to start with.
Sinking fund categories: 20 you need in 2026.
A complete list — car maintenance, medical, holidays, vacation, and 16 more — with recommended monthly amounts for each.
How to budget for a wedding without the debt.
Decide your real number, turn it into a monthly sinking fund, and split it into envelopes — so the day is paid for before it arrives.
How to budget for back to school.
Supplies, clothes, fees, and devices all land in one August week. Turn it into a sinking fund you save for — with a category template by grade level.
Savings goals that live inside your budget.
LazeeFish lets you set a target amount and date for each savings envelope. The "needed this month" figure auto-calculates so you always know exactly what to contribute.
See savings goals →Set up a sinking fund
in 2 minutes.
Create an envelope, set a goal, connect your bank. LazeeFish handles the math.
Get started free→