Savings Goal Tracker: Plan & Track Multiple Goals

Give every goal a target amount and a deadline, calculate the monthly amount each one needs, and keep them all in one view so you can see which are on track. Pair that with separate savings accounts or bank "buckets" for each goal and automatic transfers on payday. This tracker handles the planning side: it splits your monthly savings between goals, shows monthly/weekly/daily amounts and lets you log deposits.

Subtract what you've already saved from the target, then divide by the number of weeks until your deadline. Example: a $2,000 goal with $500 saved and 26 weeks left needs $1,500 ÷ 26 = $57.69 per week. For a daily amount, divide by the days remaining instead ($1,500 ÷ 182 days ≈ $8.24 a day). The tracker shows all three amounts for each goal.

A common order:

1. Starter emergency fund (e.g. $1,000 or one month of expenses)
2. High-interest debt payoff (see the debt snowball calculator)
3. Full emergency fund (3–6 months of expenses)
4. Retirement (at least any employer match)
5. Other goals by deadline and importance

Choose "By Priority" above to fund high-priority goals first, or "By Deadline" to fund the nearest date first.

No account is needed. Your goals, settings and deposits are saved automatically in your browser's local storage on this device, so they're there when you come back. They're never sent to our servers. Clearing your browser data, using private browsing or switching devices will start you fresh; use "Export CSV" to keep a copy.

It depends on your timeline and risk tolerance:

• Under 2 years: high-yield savings account or money market account
• 2–5 years: savings, CDs, Treasury bills or other conservative options
• 5+ years: diversified investments may make sense for some goals
• Retirement: tax-advantaged accounts such as a 401(k) or IRA

Don't invest money you'll need soon or can't afford to see drop temporarily. This is general information, not financial advice.

Look for:

• A competitive APY. Savings rates change with interest-rate policy, so compare current rates
• No monthly fees or minimum balance requirements
• FDIC (bank) or NCUA (credit union) insurance, generally up to $250,000 per depositor, per institution, per ownership category
• The ability to open multiple accounts or sub-accounts so each goal has its own balance

The 50/30/20 rule suggests about 20% of take-home pay for savings and extra debt payments, a useful starting point you can adjust. Even 5–10% builds the habit. Use the 50/30/20 calculator to find your number, then enter it as "Total Monthly Savings Available" above.

• Extend the deadline on lower-priority goals
• Lower the target or split it into a smaller first milestone
• Free up cash: set a daily spending limit or review subscriptions
• Add income: overtime, freelancing, selling unused items

The tracker's "Shortfall" insight tells you exactly how much more per month you'd need.