Savings Goals: Goal Planner

Savings Goals is a savings goal tracker for anyone juggling more than one thing they're saving for — a trip, an emergency fund, a wedding, a new laptop — without wiring up a bank account. Name a goal, log deposits and withdrawals by hand, and the app does the arithmetic your bank app skips: how much to put away each month to hit your deadline, and whether your recent pace will actually get you there.

Everything lives on your device. No sign-up, no login, no bank linking — nothing about your money leaves your phone unless you choose to ask the optional AI coach a question.

THE CORE LOOP
Create a goal with a target amount, an optional deadline, and your own currency. Every time you move money toward it — or pull some out — log a contribution in a few taps. The pace card instantly recalculates your required monthly amount against your real recent average and tells you, in plain language, whether you're ahead, on track, or behind.

WHAT'S INSIDE
• Multiple savings goals with a target amount, priority, and deadline
• A signed contribution ledger — deposits and withdrawals, organized by month, with notes
• A pace engine comparing your required monthly amount against your actual 3-month average
• A projected finish date on every goal — when you'll actually get there at your current pace
• An Insights tab: an ahead/behind summary across all goals and a six-month contribution chart
• Local reminders — a monthly nudge, an early warning if a deadline is close and you've fallen behind, and a celebration at 25/50/75/100% — computed on-device, no push server
• A savings tempo coach that reads your own numbers — target, current amount, deadline, recent pace — and explains in a sentence or two whether you're on pace
• Amounts formatted in your own device currency, with the right symbol, decimal style, and rounding for wherever you are
• Full light and dark themes, following your system setting or your own choice
• A private, on-device money app — nothing to hack, nothing to breach, because nothing is stored anywhere but your phone

A NOTE ON THE AI COACH
The savings tempo coach is a calculator with a friendly voice, not a financial advisor. It only reasons about the numbers you typed in — target, current amount, deadline, recent pace — and never recommends investments, loans, spending cuts, or moving money between accounts. Nothing here is personalized financial or investment advice; it's arithmetic on the goals you entered, and the app says so wherever the coach appears.

WHAT'S FREE
Up to three active savings goals, unlimited contribution logging, the full pace engine and projected finish dates, the Insights summary and trend chart, local reminders, and three savings tempo coach questions a month — all free, no time limit.

WHAT PRO ADDS
• Unlimited savings goals instead of three
• Unlimited savings tempo coach questions
• Priority Allocation — splits a monthly amount across your active goals by priority and how close each deadline is, with a plain-arithmetic breakdown for each one
• Round-up and weekly-increase savings challenge simulators, showing what small automatic habits add up to over 12, 26, or 52 weeks
• An ad-free app

Savings Goals offers two subscription options — Monthly and Annual. Payment is charged to your Google Play account or Google Play account at confirmation of purchase, and renews automatically at the price shown for your region until you turn it off. Manage or cancel any time in your device's Account Settings; restoring a purchase is available on the paywall.

Savings Goals doesn't try to be a bank, a budgeting suite, or a robo-advisor. It answers one question — "am I actually on pace for the things I'm saving for?" — and gets out of the way.

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