NomadFinancials • Printable planning companion • 15 October 2026
Worked examples below are fictional illustrations. Replace the inputs with your own numbers. This is a manual worksheet, not a calculator or accounting system.
| Possible fund | Planning basis | Review question |
|---|---|---|
| Annual software | Renewal notice and payment date | Will I renew, downgrade, or cancel? |
| Equipment | Replacement estimate and intended date | Can the current equipment serve longer? |
| Professional membership | Next renewal amount | Does it still support paid work? |
| Time off | Expected cash shortfall while away | Will other receipts still arrive? |
| Insurance renewal | Current quote or clearly marked estimate | Has the premium or payment plan changed? |
| Fund | Target | Already assigned | Transfers left | Per transfer |
|---|---|---|---|---|
| Software renewal | $720 | $0 | 12 | $60 |
| Equipment replacement | $1,800 | $300 | 10 | $150 |
| Professional membership | $240 | $0 | 6 | $40 |
| Current monthly total | $250 |
| Date / period | Item / assumption | Cash in | Cash out / allocated | Balance / next action |
|---|---|---|---|---|
Do not count transfers between your own accounts as new income. Keep tax reserves and earmarked funds distinct from freely available cash.
Source guide: nomadfinancials.com/sinking-funds-for-freelancers/