Goals that fund themselves.
Set a goal — holiday, deposit, emergency fund, Hajj, wedding, anniversary. Fund it with Round-Ups on every transaction, Smart Deposits based on income detection, or scheduled transfers from your main account. Watch progress visually.
Round-Ups
Every transaction rounded up to the nearest £1/$1/AED 1. The change goes to your selected savings goal. Plum-style automation without leaving the app.
Smart Deposits
When we detect spare cash (income arrived, recurring bills cleared, balance above a safety threshold), we propose a deposit. One tap to approve.
Scheduled Transfers
Set a fixed weekly/fortnightly/monthly transfer. Auto-pause if balance gets low. Auto-resume when income lands.
Goal Templates
Emergency fund (3-6 months expenses), house deposit, wedding, Hajj/Umrah, holiday, baby, car, education. Smart suggested amounts per region.
Multi-Goal Allocation
Split Round-Ups across multiple goals. 50% emergency, 30% holiday, 20% car. Adjust weights any time.
Investment-Backed
Connect existing ISA, 401k, Super, NPS, SIPP — we count the balance toward your goal. No mandatory ISA wrapper, no platform fees.
How it works
- 1
Create a goal
Name it, set target amount, set target date. Pick a template or start blank.
- 2
Choose funding method
Round-Ups, Smart Deposits, scheduled transfer, manual, or any combination.
- 3
Watch progress
Visual ring chart. Days remaining vs amount remaining. On-track or behind, with adjustment suggestions.
- 4
Withdraw when ready
Funds live in your linked savings account or pot — we don’t hold them. Withdraw via your bank app any time.
Frequently asked questions
Do you hold my savings?▼
No. Round-Ups and Smart Deposits transfer into a savings account at your bank or a pot (Monzo, Starling, Revolut, Wise, Ally). You control the funds, we just track and trigger.
Do you invest goal money?▼
Not directly. We can route to your existing ISA at Vanguard/AJ Bell/HL, your 401k, your NPS, your Super — if your bank supports the transfer. We don’t hold an investment license.
What about Plum-style fixed-income?▼
Premium plan integrates with high-interest savings accounts (Marcus, Chip+, Atom). We surface the rates, you choose where Round-Ups land.
Can I share a goal with my partner?▼
Yes — Business tier supports shared goals across up to 5 family seats. Both partners can deposit, both see progress.
Try Savings Goals free
Free plan forever. No credit card. Cancel anytime.