Description
Know exactly how much to set aside each month.
Savemo is a sinking funds tracker that calculates your monthly savings target—so large expenses never catch you off guard. Whether it's car insurance due in six months, a vacation next summer, or holiday gifts in December, Savemo breaks those big numbers into manageable monthly amounts.
Planning ahead shouldn't require spreadsheets or mental math. Just add your future expenses, and Savemo tells you: "Set aside this much each month."
# How sinking funds work in Savemo
1. Create separate funds for different goals (Car, Vacation, Home Repairs, etc.)
2. Add future expenses with their due dates and amounts
3. Savemo calculates how much to save monthly
4. Watch your balance grow toward each target
That's it. No transaction tracking. No receipt scanning. Just clear answers about what to save.
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# Why people love sinking funds
Sinking funds turn unpredictable expenses into predictable monthly savings. Instead of scrambling when the car registration arrives or the annual insurance bill hits, you've already set the money aside—month by month.
• Never raid your emergency fund for predictable expenses
• Spend confidently because you know what's truly available
• See your real monthly cost of living, not just recurring bills
• Avoid the stress of large expenses appearing "out of nowhere"
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# Features that make saving simple
• Monthly Savings Calculator
Enter future expenses, get your monthly target instantly
• Visual Balance Projections
Charts show your funds growing toward each goal
• Multiple Sinking Funds
Separate accounts for vacation, car, home, gifts, taxes—whatever you need
• One-Time and Recurring Expenses
Annual insurance, quarterly taxes, or that one big purchase
• iCloud Sync
Access your savings plan on iPhone, iPad, and Mac
• Export Options
Save your projections as PDF or CSV anytime
• Private by Design
No bank connections, no data sharing—your plan stays yours
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# Perfect for
• Annual expenses like insurance, subscriptions, or memberships
• Irregular bills like car maintenance or home repairs
• Future goals like vacations, gifts, or major purchases
• Freelancers planning for quarterly taxes
• Anyone tired of "surprise" expenses that weren't actually surprises
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# How Savemo differs from budget trackers
Most budget apps ask: "Where did your money go?"
Savemo asks: "How much should you set aside?"
Traditional trackers look backward at spending. Savemo looks forward at saving. Different problem, simpler solution.
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# Start free
Create up to 2 sinking funds with all features—completely free.
Upgrade to Pro for unlimited funds, recurring expense planning, smart reminders, and custom themes.
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# Plan ahead, stress less
Download Savemo and know exactly what to save each month. Your future self will thank you.
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Terms of use: https://www.savemo.app/terms-and-conditions.html