Save for something.
See what to put aside each month.

How to set a savings goal

1. Open Accounts and pick the account you save on — a savings account, an envelope of cash, a separate card. Or create a new one, for example “Holiday”.
2. Open the account and tap Set a goal.
3. Enter the Amount to save and, if you want a deadline, By when.
4. Save. The account moves to the Goals section with a progress bar.

Progress is simply the account's balance against the target. If there is already money on the account, it counts from the start — no need to re-enter what you have saved so far.

“≈ N a month”: how much to put aside

With a date, the goal shows a line like “≈ 150 a month until 1 Mar 2027”: what is still missing, divided by the months left, the current one included, rounded up to whole units. Put aside more one month and the figure goes down; skip a month and it goes up. The number is always the honest answer for today, not a plan you made in January.

• No date — you see the progress and how much is left to go.
• Date passed — the goal says so and shows what's still missing. Set a new date if plans changed.
• Target reached — the goal shows “Goal reached”.

Top up with a transfer, not an expense

Saving here means moving money between your own accounts. Tap Top up on the goal — in Accounts or in the accounts strip on Home — and the form opens as a transfer to the goal from your last-used regular account. Adjust the amount, save, done.

Because it's a transfer, your analytics don't count savings as spending and your budgets don't shrink. Need some of it back? Withdraw moves money to another account the same way.

HonestExpenses never connects to a bank, so it records what you put aside — the transfer itself happens in your banking app, or in a drawer if you save in cash.

Save every month on autopilot

If you set aside the same amount every month — say, a standing order to your savings account on payday — make the top-up a recurring transaction: a transfer of 150 to “Holiday” every month on the 25th. It records itself on its day, around 08:00, and the goal's progress moves without you lifting a finger. Tight month? Pause the series and resume it later.

Say it: “put aside 100 for the holiday”

With AI, you can simply say or type it. “Put aside 100 for the holiday” becomes a draft transfer to your Holiday goal; you check it and save. Without a saving word it stays an expense: “spent 100 on the holiday” goes to a spending category instead, because buying plane tickets isn't saving. More in logging expenses by voice.

The AI assistant knows your goals too: ask “how much is left for the laptop?” or “how much should I save a month?” and it answers with the same numbers you see on the goal. It can also set a new goal for you — after you tap Confirm.

Several goals at once

• One goal per account. A holiday, a laptop, an emergency fund — each on its own account with its own target and date, all listed under Goals. On Home, each goal gets a thin progress bar in the accounts strip.
• Change it any time. Raise the target or move the date; the monthly amount recalculates at once.
• Remove a goal. Remove goal… asks what to do with the money: move it back to another account (the goal's account then goes to the archive) or keep it as an ordinary account.
• Save together. In a Project shared with a partner or family, a goal works the same way, and everyone sees its progress.

Questions

Read next

• Log expenses by voice. One sentence, several transactions.
• Track Apple Pay purchases automatically. Pay in a shop — the expense records itself.
• Automatic expense tracking on Android. Pay with any card — the expense records itself.
• An expense tracker in Telegram. With a full app behind it.
• An expense tracker without a bank link. You log it — in seconds.
• How to track your expenses. And still be doing it in three months.