Feature · Savings Goals

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. 1

    Create a goal

    Name it, set target amount, set target date. Pick a template or start blank.

  2. 2

    Choose funding method

    Round-Ups, Smart Deposits, scheduled transfer, manual, or any combination.

  3. 3

    Watch progress

    Visual ring chart. Days remaining vs amount remaining. On-track or behind, with adjustment suggestions.

  4. 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.