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 a savings pot to see a suggested split.
Add a savings target
Investments & long-term money
Optional. Track investment values without mixing them into monthly safe-to-spend money.
Your targets
Are you sure?
Edit target
Update the details for this savings goal.
Edit budget item
Edit investment
Edit saving entry
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 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.
Optionally add a planned weekly or monthly contribution if you already know your regular saving amount.
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.
Use the edit icon (pencil) on any target, budget item, investment, or saving entry to update it with a proper form. No more pop-up prompts.
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.
Privacy
Plain English: PacePot is designed to work without accounts or a database.
What PacePot stores
PacePot saves planner information such as salary, budget items, savings targets, saving entries, and optional investment values in your browser using local storage. Your planner data stays on the device and browser you use. PacePot does not require a login, account, or password.
What PacePot does not do
It does not send your planner data to a PacePot server.
It does not sell your planner data.
It does not ask for bank logins, card details, or account passwords.
Analytics
PacePot uses Google Analytics (GA4) to count page views and generic events such as goal created or contribution added. No financial amounts, goal names, dates, or other personal details are tracked.
Backups and browser storage
If you clear browser data, change device, or use a private browsing session, your saved planner data may be removed. Use Backup to download a copy if you want to keep it safe.
External links
The Support PacePot button opens Buy Me a Coffee in a new tab. That service has its own privacy and payment process.
Terms of use
A short set of terms for using PacePot sensibly.
Planning tool only
PacePot is a savings planning tool. It is not financial advice, investment advice, legal advice, or tax advice.
Your responsibility
You are responsible for checking your own numbers and making your own money decisions. PacePot calculations are designed to help planning, but they should not replace professional advice where needed.
Availability and accuracy
PacePot is provided free and as-is. The app may change over time, and no guarantee is made that it will always be available, error-free, or suitable for every financial situation.
Responsible use
Do not use PacePot to store passwords, bank login details, card numbers, or highly sensitive private information.
Contact and feedback
Ideas, bugs, rough edges, or feature requests are welcome.