"I want to save more." That is the most failed money goal in the world. Not because anyone lacks willpower. Because "more" is not a number. WIMM Goals fix that in the simplest way possible: you pick a target amount and a date, and WIMM tells you the exact monthly number that gets you there. After that, the only job is showing up.
Why most savings goals quietly die
A savings goal needs three things to survive: a number, a deadline, and a way to know if you are behind before it is too late. Most apps give you one or two. Mint gave you the number. YNAB gives you the number and a rolling pace. Almost nothing gives you both with the friction of a single click.
WIMM Goals give you all three. You set a target like "$3,000 for an emergency fund by December." WIMM computes the exact monthly contribution required, watches your contributions roll in, and updates the status as you save. A green "On pace" badge means you are at or above the required monthly number. An amber "$40 behind" badge tells you exactly how much extra this month is going to cost to catch up. No buried math, no surprises in November.
The six built-in goal types
Most goal trackers treat all savings the same. WIMM has six types, because the way you save for an emergency fund is not the way you save for a vacation.
- General Savings. The classic catch-all.
- Vacation. Pick a destination, pick a date, hit the number by then.
- Emergency Fund. The one with no deadline, just a number. WIMM stops asking about pace and starts asking about consistency.
- Bill Payoff. Link to a recurring bill so the goal closes when the bill is gone.
- Debt Payoff. Link to a debt so payments toward the debt count toward the goal automatically.
- Budget Rollover. The carry-over savings from envelopes that came in under budget. WIMM creates these for you when envelope mode is on.
What you see when a goal is in flight
Each goal gets a card with a green progress bar, the dollar amount banked so far, and the target. If a target date is set, you also see the monthly required number and the pace badge. The top three active goals also live on your main dashboard so they greet you when you open the app.
Hit the goal and a confetti burst fires across the screen. Yes, real confetti. It is a small thing and it matters. Most savings tools quietly turn the bar green and move on. WIMM celebrates.
Logging a contribution takes seven seconds
Open the goal, hit Log Contribution, pick a transaction or type the amount. Done. If you tag a real transaction (a transfer to your savings account, for example), WIMM links them so you can see exactly which bank movement funded which goal. No double entry, no spreadsheet.
Free for everyone, with one thoughtful boundary
Savings Goals are on the free tier for both single and household accounts. You can run up to 20 active goals at once, which is more than anyone reasonably has. Completed goals collapse into a "Show completed" toggle so the active list stays clean.
The thoughtful boundary is this: goals are always personal. If you share WIMM with a household, your goals stay yours. The household sees shared accounts and shared budgets. Your savings goals stay between you and the app. That is a design choice, not an oversight. Couples are saving for surprises about half the time, and the most universally requested "please keep this private" feature in any household budget tool is the goal list. So we kept it private by default.
Try it now
The live demo loads sample goals already in motion, so you can see the pace tracking and the contribution flow without setting anything up: app.wimm.money/demo.
Try WIMM today
The demo loads with realistic data and no signup. See what this article describes in action.