FREE 10+ Savings Tracker Samples in PDF

One of the many known rules in life, but hardly followed, is to save for rainy days. Saving money does not only help you solve (most of) your problems, but it can also provide you with the stability you want to achieve in the future. However, it is more often than not that we spend more on things that aren’t really necessary, yet failed time and again to leave a percentage of our money for savings. In this article, we will talk about how to track your savings and create a tracker that will suit you and your current lifestyle or income. 

FREE 10+ Savings Tracker Samples

1. Savings Tracker Template

2. Retirement Savings Tracker

3. Coupon Savings Tracker

4. Health Savings Account Expense Tracker

5. Week Savings Challenge Tracker

6. Savings Tracker in PDF

7. Printable Savings Tracker

8. Holiday Savings Tracker

9. Jar Savings Tracker

10. Savings Goal Tracker Sheet

11. Savings Tracker Example

What Is a Savings Tracker?

A savings tracker is a physical or digital sheet, journal, or budget calendar that allows you to oversee the progress of your savings. The savings tracker also provides you with a space where you can write down your financial goals and saving developments. Furthermore, the tracker itself can be used as an alternate for a budget plan if your goal is to save more money when traveling, planning an event program, or before your job retirement. 

How to Create a Savings Tracker

If you are interested in making your own savings tracker effective for financial planning purposes, we can give you advice and suggestions that you can follow. Furthermore, you will need to choose whether you want to write it down on paper or use a digital device for your task. 

1. Tally Your Income 

The first step you will need to do is to create a tally sheet where you can compute your monthly income and your daily expenses. To get the right amount of how much you should save per month, you should do the 50 30 20 budget rule. 50% for important expenses, 30% for leisure, and 20% for your savings. By doing so, you will get a general idea of how much you need to get from your salary and put it in your savings account or piggy bank. 

2. Set a Target Date

Whether you are saving to buy one particular item or for debt repayment, you need to provide your tracker with the exact time in which you want to achieve your goals. This way, you will know how much money you have already saved and what you need to cut out from your initial budget plan. If the 50 30 20 rule is not an applicable technique at the moment, you are free to try other money-saving techniques to reach your daily or monthly target before the set date. Having a schedule also allows you to become more responsible in spending your money. 

3. Prioritize Paying Bills

Before you are able to save money, you need to look at your debts, personal loans, and other potential financial problems that might arise in the future. Always make it your top priority to pay your bills on time, otherwise, you might have to get a chunk of your supposed savings to cover a bill that’s overdue. If in case 50% of your salary is still not enough to pay the bills and other essentials, then you need to cut off your 30% leisure budget to fill in the lack thereof. This ensures that the 20% that goes to your savings is untouched. 

4. Use a Tracker Template

Last but not least, it is recommended that you get a template so that you can update your tracker every time. Using a template helps you with time management as you won’t need to write anything from scratch again, plus you won’t have to worry about missing any details when you make your own without a guide. Templates are also downloadable, so you can save them on your mobile phone, tablet, or personal computer that you can open and update anytime. 

Procuring money is never easy, that is why you need to save so that you can have the financial freedom you want. Track your money and savings today by checking out our wide selection of saving tracker templates that could help you jumpstart your way to achieving millionaire habits.