Christmas 2027 sinking fund
Save a little every month so next December is already paid for.
December is expensive because it is paid for all at once. A Christmas sinking fund spreads the cost across the year: decide your holiday budget in January, divide it by twelve and save that much each month.
This tracker works out the monthly amount with you, then has a row for each month with what you planned, what you saved and the running total.
How it works
Decide your total 2027 holiday budget in January, divide it by twelve and save that amount each month. The tracker has a row for every month with planned, saved and running total, and a bar to color in as you get closer.
| Holiday budget | Starting January | Starting March |
|---|---|---|
| $600 | $50.00 | $60.00 |
| $900 | $75.00 | $90.00 |
| $1,200 | $100.00 | $120.00 |
| $1,500 | $125.00 | $150.00 |
How to use it
- Write your total holiday budget for 2027 and divide it by 12.
- Each month, save that amount and write it in.
- Color in the bar as the fund grows toward your goal.
Ways to use it
- Starting late: divide by the months you have left.
- Include everything December costs: gifts, food, travel, cards, decorations.
- Use this year’s gift budget to set a realistic total.
Tips
- Use this year’s gift budget to set a realistic number for next year.
- Starting late? Divide by the months you have left instead of 12.
Questions
How much should I save each month for Christmas?
Divide your total holiday budget by the months until December. For a $1,200 budget starting in January, that is $100 a month.
What is a Christmas sinking fund?
Money you set aside a little each month all year so the holidays are paid for in cash when December comes.
When should I start saving for Christmas?
January gives you twelve months, which keeps the monthly amount small. Starting any time helps.
Goes well with
- Holiday gift budget 2026 Everyone on your list, a cap for each, and what you really spent.
- Sinking funds tracker Twelve funds on one page, with a box for every month.
More bills & sinking funds
This printable is a general planning tool, not financial advice. Read the full disclaimer.