Small pots. Steady pace. Less wondering where it all went.
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Start with your monthly moneyAdd your salary, regular outgoings and a realistic savings pot so targets are based on money you can actually use.
BudgetSavings potTarget
Total income
£0
Total outgoing
£0
Safe to spend
£0
Account cushion
£0
Saved so far
£0
Still needed
£0
Active targets
0
Monthly pace needed
£0
Tracked net worth
£0
Suggested allocation
Add targets and available savings money to see a suggested split.
Add a savings target
Investments & long-term money
Optional. Track investment account values manually without mixing them into monthly safe-to-spend money.
Your targets
Saving history
How this tracker works
Use this guide when you want the numbers to make sense before making decisions.
General help
This tracker is built around a simple monthly plan: money coming in, money already committed, money you choose to save, and money left over. It does not assume every spare pound should go into savings.
Total income is salary plus any extra income items such as side work.
Total outgoing is rent, debt, bills, subscriptions, and any other regular outgoing you add.
Planned monthly savings pot is the amount you actually want to commit to goals this month.
Safe to spend is income minus outgoings minus your planned savings pot.
Account cushion estimates what your current account may have left after this month’s plan.
Investments are optional and manually updated. They count toward tracked net worth, but they do not change safe-to-spend money.
Step by step
Add your salary and, if useful, your current account balance.
Add income and outgoing items. Use names like rent, debt, side hustle, subscriptions, or transport.
Look at estimated money left each month, then choose a planned monthly savings pot that still leaves breathing room.
Create a target with an amount, deadline, pace type, and priority.
Use suggested allocation to decide how to split your savings pot across goals.
Whenever you save money, add a saved amount to the target. Progress, history, recovery, and totals update automatically.
If you track investments, add them in the optional investments section and update their values manually when needed.
If a warning appears, reduce planned savings, reduce outgoings, or adjust target deadlines so the plan becomes realistic again.
Example
Someone earns £2,500 per month and adds £1,450 of outgoings. The app shows £1,050 left. They may not want to save all of that, so they set a planned monthly savings pot of £300. Suggested allocation only splits that £300 across goals, leaving £750 as safe-to-spend money.
If they have a £900 holiday target due in three months, the tracker can show the monthly pace needed, whether the target is on track, and how much extra is needed if they fall behind.
Investments
The investments section is collapsed by default because not everyone needs it. Use it for accounts such as a Stocks & Shares ISA, pension, crypto wallet, trading account, Premium Bonds, or other long-term money.
Investment values are manual. Marking something as accessible helps you understand emergency money, but investments are not included in monthly safe-to-spend calculations unless you decide outside the app to use them.
Backup and import
Your data stays in this browser. Use Backup to download a JSON copy, and Import to restore it later or move it to another browser. Import replaces the current planner data after confirmation.