Fund of One
A sinking fund budget tracker that tells you exactly how much to set aside each pay cycle so you're never caught short.
Core trick
Recalculates per-paycheck contributions for each sinking fund against due dates, then projects 6-12 months of balances to flag shortfalls.
Description
A sinking fund budget tracker that tells you exactly how much to set aside each pay cycle so you're never caught short. Monthly subscriptions, annual fees, tax repayments, a fortnightly paycheck — it handles the math so you don't have to.
Most people have a mix of regular and irregular expenses. Income arrives on a fixed schedule, but expenses don't. Traditional budgeting apps track what you've spent — they don't help you plan ahead for what's coming.
This app manages sinking funds: virtual pools of money earmarked for future expenses. Tell it what you owe, when it's due, and how often you get paid. It calculates the exact amount to set aside from each paycheck so every bill is covered when it arrives.
The engine adapts in real time. Fall behind? Contributions ramp up. Get ahead? They ease off. New expense? Everything recalculates instantly. A 6-12 month projection flags crunch points before they become emergencies.
README excerpt
# Sinking Fund Budget Tracker **Anthropic Claude Code Hackathon Entry** | [MIT License](LICENSE) A sinking fund budget tracker that tells you exactly how much to set aside each pay cycle so you're never caught short. Monthly subscriptions, annual fees, tax repayments over 22 months, a fortnightly paycheck — it handles the math so you don't have to. <picture> <source media="(prefers-color-scheme: dark)" srcset="web/public/dashboard-dark.png"> <source media="(prefers-color-scheme: light)" srcset="web/public/dashboard-light.png"> <img alt="Dashboard showing contribution requirements, fund health, timeline projection, and upcoming obligations" src="web/public/dashboard-light.png"> </picture> ## The Problem Most people have a mix of regular and irregular expenses: rent every month, car registration once a year, insurance quarterly, a holiday in December. Income arrives on a fixed schedule, but expenses don't. The result? People scramble when big bills hit, raid savings meant for other things, or just hope for the best. Spreadsheets can model this, but they're tedious to set up and maintain. Traditional budgeting apps track what you've already spent — they don't help you plan ahead for what's coming. ## The Solution This app manages **sinking funds**: virtual pools of money earmarked for future expenses. You tell it what you owe, when it's due, and how often you get paid. It calculates your per-cycle contribution — the exact amount to set aside from each paycheck so e