Emergency Fund vs. Savings Tracker

Stop mixing your safety net with your fun money. This easy-to-use Excel tracker helps you separate and grow your emergency fund and savings account—side by side—so you always know where you stand.

What’s Inside This Tracker:
✔ Sheet 1 – Blank Tracker: Enter your own monthly deposits for Emergency and Savings. Totals and running balances update automatically, so you can track progress with zero guesswork.
✔ Sheet 2 – Example ($400 Split): Pre-filled with $250 to Emergency and $150 to Savings each month. Use it as a guide—or change the numbers to match your budget.
✔ Alternating row colors for readability, auto-calculated totals, and color-coded data bars that let you see your balances grow over time.

How to Use It:

1. Enter your planned monthly deposits in columns C (Emergency) and E (Savings).
2. Watch as the tracker automatically updates your total contributions and running balances.
3. Add notes for unexpected withdrawals or emergencies so you can look back at patterns later.
4. Use the “Totals” row to see your end-of-year balances at a glance.

This tracker is designed to complement my Substack article on why your emergency fund and savings account should never be the same. Reading the article gives you deeper context, but the tracker can stand on its own too.

👉 Check out the article HERE