Saving $10,000 in six months might sound impossible, especially if you’re on a tight budget.
But here’s the truth: with the right plan and the right tool, it’s not just possible, it’s doable.
To help you make it happen, I’ve created a Free Google Sheet savings tracker that breaks your goal into small, weekly wins. And it’s free.
Let’s walk through how to use it, and why it works.
🧾 What Is the 26-Week $10K Savings Tracker?
This tracker is a simple spreadsheet that helps you:
- Set a clear savings goal ($10,000 in 6 months)
- Track your progress each week
- Compare your actual vs. target savings
- Stay motivated with charts and visual feedback
- Build strong financial habits
You don’t need fancy apps or budgeting tools, just open this sheet and start tracking.
✍️ How It Works: Weekly Savings Breakdown
To reach $10,000 in 26 weeks, you need to save about $384.62 every week.
This sheet does the math for you and shows your:
| Column | What It Does |
|---|---|
| Week | Counts all 26 weeks |
| Target Savings ($) | Set at $384.62 per week |
| Actual Savings ($) | You fill in what you saved each week |
| Cumulative Target ($) | Running total of where you should be |
| Cumulative Actual ($) | Running total of what you actually saved |
| Difference from Target ($) | How far ahead or behind you are |
| Motivation Note | Space to reflect on each week |
Two live charts on the right show your progress vs. goal week by week.
📈 How to Use It (Step-by-Step)
- Open the Tracker
(You’ll be asked to Make a Copy — this keeps your version private) - Fill in your savings
Start with Week 1. Enter how much you actually saved in the yellow column. - Watch the chart update
You’ll see how you’re doing, instantly. - Add notes
Write what worked or didn’t. Celebrate wins. Stay accountable. - Repeat every week
Set a reminder every Friday or Sunday. It only takes 2 minutes.
💪 Pro Tips for Sticking With It
- Miss a week? Don’t quit. Just get back on track next week.
- Over-saved one week? Great! Note it and stay consistent.
- Write down why you’re saving. Add it to the top row as a reminder.
- Pair it with the Full Savings Plan Guide ↓
📥 Get the Tracker Now
👉 Download the 26-Week $10K Savings Tracker – Google Sheet
💡 No signup required. Just click “Make a Copy” and start saving today.
🎯 Final Thoughts
Big goals don’t happen all at once, they happen in small, consistent steps.
This tracker is more than a spreadsheet, it’s your weekly reminder that you’re capable of building real financial momentum.
Start today. One week at a time. $384.62 at a time.
And six months from now? That $10,000 is yours.
