PRIVATE, BROWSER-ONLY WORKSHEET · Personal Money
Sinking Fund Contribution Gap Audit
Compare an actual monthly sinking-fund deposit with the even deposit required to reach a target, and inspect the signed gap.
For a 1,200.00 goal with 300.00 saved and six months left, an even deposit is 150.00. Depositing 125.00 leaves a 25.00 monthly gap.
Set up the calculation
Enter amounts in one currency, or load the worked example. Your entries stay in this browser.
Your result
Deposit gap
UNDERSTAND THE RESULT
How to use the Sinking Fund Contribution Gap Audit
Use this after choosing a target and deadline for a predictable future expense. It checks whether a current recurring transfer matches the pace implied by your own plan.
What to enter
Enter the full target, the balance already held for it, whole months remaining, and the monthly amount you actually deposit or intend to deposit.
Worked example
For a 1,200.00 goal with 300.00 saved and six months left, an even deposit is 150.00. Depositing 125.00 leaves a 25.00 monthly gap.
How to read the result
A negative gap means the entered monthly deposit is below the even target. A positive gap means it is above that target. The table exposes every assumption.
Method
Subtract the saved balance from the target, divide the positive remainder by months left, and round to cents. Compare the entered deposit with that even amount.
What to check
No interest, withdrawals, inflation, fees, or uneven payment dates are modeled. A one-cent rounded amount can leave a small final adjustment.
Avoid this mistake
Subtracting saved money twice: the target is the final fund amount, and the saved field is already removed once by this worksheet.
Calculations run locally in your browser. No entered values are sent to the Nirmion API.
Questions to check
What if I already reached the target?
The even deposit becomes zero; any entered deposit appears as above plan.
Is the gap a debt?
No. It is only a comparison to the entered timing and target.
Does this include interest?
No. Use the result as a simple deposit plan and review it if balances change.