Run every goal at the right pace

Tell PacePot what you’re saving for and when you need it. Each goal gets a pace light, the amount you need to put aside each month, and you can see at a glance which goals are ahead of their light and which have dropped behind.

£225 a month

Saving £ for in months.

Free, and it all stays in this browser.

Pace light: where your deadline needs you today You: what you’ve actually saved Example goals

The light sets the pace. You stay ahead of it.

Big races run a line of lights round the inside of the track at the target pace, so runners can see they’re on schedule without checking a watch. PacePot does the same for your savings.

Each goal’s light moves from the day you start to the day you need the money. Log what you put aside and your marker moves up the lane. If the light gets ahead of you, PacePot shows the exact extra amount a month that puts you back in front.

Payday takes two minutes

  1. Check what came in

    Add your pay and what goes out each month. PacePot works out how much is safe to save without leaving you short.

  2. Split the pot

    It suggests a split across your goals, weighted by priority, how close each deadline is and how far behind each goal has slipped. Change any figure before you apply it.

  3. Log it

    Move the money in your bank, then log it here. Every marker moves up its lane and the light tells you where you stand.

This month’s splits
Lisbon trip£88 ahead£300
New laptop£112 behind£223
Emergency fund£224 ahead£150
From a £673 savings pot£673
The real app with example goals.

Eight calculators, one for each race

Not ready for the app? Each calculator answers one question in a few seconds, with UK figures and examples.

Lane, event and what it works out
1HolidayHow much to put aside each month so the trip is paid for before you fly.
2Emergency fundHow big your safety net should be, and how long it takes to build.
3House depositThe monthly saving that gets you to your deposit by the date you want to buy.
4CarWhat to save each month to buy outright or put down a deposit.
5WeddingThe monthly figure that covers the day without a loan.
6Debt payoffHow long a balance takes to clear, and what paying a bit more saves.
7Baby fundWhat to set aside before the due date for the first year’s costs.
8RetirementA rough monthly figure towards the pot you want when you stop working.

Your numbers stay in this browser

There’s nothing to sign up for and nothing to connect to your bank.

Your goals, amounts and dates are saved on this device only. Download a backup whenever you like and load it on another browser.

We use Google Analytics to count visits and a few general actions, such as a goal being created. It never sees amounts, goal names or dates. Read the privacy policy.

Set your first goal

It takes about a minute.

Your track

Add a goal and it gets its own lane.

Start with your monthly money Add your salary, regular outgoings and a realistic savings pot so targets are based on money you can actually use.
Budget Savings pot Target

This month’s splits

Add targets and a savings pot to see a suggested split.

Money

Income each month£0
Outgoings each month£0
Saved so far£0
Still to go£0
Goals on paceNone yet
Safe to spend£0

Your goals

Every goal shows the monthly pace it needs and whether you are ahead of or behind that pace.

Add a savings target

Your targets

Save list

Add items you're thinking about buying, then turn them into a savings plan.

Insights

Everything you have put aside, across every goal, month by month.

Money setup

What comes in, what goes out, and what is safe to put aside. Long-term pots are tracked separately so they never inflate your monthly spending money.

Estimated left each month £0

Add salary, income and outgoings to see what saving pace is realistic.

Outgoings£0
Goals£0
Left over£0
Money in

Anything else that comes in, like a side income or a top-up, goes in as an item.

Add an item
Savings pot

This is the ceiling PacePot splits across your goals. It never has to be everything you have left.

Account & currency
Long-term pots

Optional. Track investments and other long-term money without mixing it into your monthly safe-to-spend figure.