Savings Goal Tracker
Set financial goals, track progress, celebrate milestones, and stay on course to financial freedom.
No savings goals yet
Click “Add Goal” to create your first savings goal, or use “Quick Start” to load sample goals.
What-If Monthly Savings Planner
Savings Rate Calculator
How to Use This Savings Goal Tracker
- Create a savings goal — Enter a goal name, target amount, and target date.
- Log contributions — Add each deposit or contribution as you make it.
- Track your progress — Watch the visual progress bar fill up and see your projected completion date.
- Use what-if planning — Adjust contribution amounts to see how they affect your timeline.
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Setting Goals That Actually Work
The most common savings failure isn’t insufficient income — it’s vague goals. “Save more money” doesn’t produce behaviour change. “Save £3,000 for an emergency fund by September” does. The difference is specificity: a named goal, a target number, and a deadline create a concrete progress metric.
This tracker lets you set multiple goals simultaneously so you can see all your savings priorities at once rather than treating savings as a single undifferentiated bucket.
How to Prioritise Multiple Goals
When saving for several things at once (emergency fund, holiday, car, house deposit), the order matters:
- Emergency fund first (3–6 months of essential expenses). Without this, any unexpected expense derails every other goal.
- High-priority fixed-date goals (e.g., holiday in July) — set a monthly savings rate that reaches the target on time.
- Long-horizon goals (house deposit, career change fund) — set a sustainable monthly contribution and let time do the work.
Running all three simultaneously is fine — just make sure the combined monthly contributions are a number you can consistently hit rather than an aspirational figure.
The Progress Chart
The visual progress bars and timeline chart serve a specific psychological purpose: making abstract future money feel concrete and near. Seeing a savings goal at 68% is more motivating than knowing you have £3,400 of a £5,000 target.
Related Tools
- Cash Flow Forecast — find the monthly surplus available for savings
- Compound Interest Calculator — see how interest compounds on your savings over time
- Habit Streak Tracker — track your savings contribution as a daily or weekly habit