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Savings goals

Pick a target and a deadline and the arithmetic falls out: what to set aside per paycheck, and which sinking-fund envelope holds it until you need it.

32 pages

How to Save $500 in One Month Save $500 in one month: $125 a week, about $250 per paycheck, $16.67 a day. The three cuts that get you the... How to Save $1,000 in One Month Saving $1,000 in a month means $250 a week or $500 per paycheck. Do the subtraction first: take-home minus ... How to Save $2,000 in 3 Months $2,000 in 3 months is $667 a month, $154 a week, about $308 per biweekly paycheck. Split it into cuts and e... How to Save $3,000 in 6 Months $3,000 in six months is $500 a month, $115 a week, about $231 per biweekly paycheck. Plan for five funded m... How to Save $5,000 in 6 Months $5,000 in six months is $833 a month, $192 a week, about $385 per biweekly paycheck. That size only comes f... How to Save $5,000 in a Year $5,000 in a year is $417 a month, $96 a week, $192 per biweekly paycheck. Under $100 a week is reachable. W... How to Save $10,000 in 6 Months $10,000 in six months is $1,667 a month, $385 a week, about $769 per biweekly paycheck. Check whether your ... How to Save $100 a Week, and What It Adds Up To $100 a week is $433 a month and $5,200 a year: a $1,000 fund in 10 weeks, $2,600 in six months. Go find it ... How to Save 50% of Your Paycheck Saving half your paycheck is decided by fixed costs, not discipline. If housing takes 35% of take-home, eve... How Big Should My Emergency Fund Actually Be? Size an emergency fund with a formula, not a slogan: essential monthly costs times months of exposure. Thre... How to Save Your First $1,000 Emergency Fund Build a $1,000 starter fund: $333 a month for 3 months, $167 a month for 6, or $100 a week for 10 weeks. Wh... How to Build a 3-Month Emergency Fund Multiply essential monthly costs by three, then divide by 12, 18, or 24 months. See the per-paycheck number... How to Build a 6-Month Emergency Fund Essentials times six, divided over 24 to 36 months. See the per-paycheck number, why two to three years is ... How to Build an Emergency Fund When You Live Paycheck to Paycheck When take-home minus bills is near zero: track one month first, start at $5 to $25 per paycheck, route all ... How to Save for a Car Down Payment Your down payment divided by the months until you need the car, shown per month and per paycheck at $2,000,... How to Save Up and Buy a Used Car in Cash Set an all-in target including tax, title, inspection, and a repair reserve, then divide by your timeline. ... How Much to Save for Car Repairs Build the number from your own car: list the items with known intervals, price each with local quotes, sum,... How to Save for a House Down Payment Down payment plus closing costs plus a move-in reserve, divided by months to purchase. See the per-paycheck... How Much to Save Before You Move Out A checklist that sums to one target: deposit, first month, fees, utilities, moving, furniture, and a one-mo... How to Save for a Wedding Without Going Into Debt Total budget divided by months to the date, shown per paycheck, plus how two people split one goal and why ... How to Save for an Engagement Ring The two-months-salary rule came from advertising, not finance. Pick your own budget, divide it by the month... How to Save for a Honeymoon Without Raiding the Wedding Fund Build the trip total from flights, lodging, food, activities, and a 15% overage line, then decide whether t... How to Save for a Vacation: Build the Number, Then Divide It Price a trip line by line, add a 15 percent buffer, then divide by the months and biweekly paychecks until ... How to Save for a Disney Trip Without Financing It A per-person, per-day worksheet for a Disney trip, multiplied by party size, then divided across 12, 18, an... How Much to Save Before the Baby Arrives Build one pre-baby target from your out-of-pocket delivery share, one-time gear, unpaid leave weeks, and a ... How Much to Save Before Getting a Dog Two numbers before you adopt: day-one setup costs and a first-year reserve with a vet emergency fund. How t... How to Save for a Laptop Instead of Financing It Price the laptop with tax and accessories, divide by the months until you truly need it, and fund it per pa... How to Save for Christmas Starting in January Total Christmas by recipient plus travel, hosting, decorations, and shipping, then divide by the months lef... How to Save for One Semester of Tuition Fund one semester, not a degree. Total tuition, fees, books, and housing, subtract awarded aid, and divide ... How to Save for a Bootcamp or Certification Fund tuition and a living-expenses runway, not just tuition. How full-time versus part-time changes the tot... How Much to Save Before Quitting Your Job Quantify your exit: essential monthly costs times a realistic month count, plus the cost of losing employer... How to Save for Unpaid or Partly Paid Parental Leave Take-home pay per week times unpaid weeks equals your target. How to handle partial pay, a short runway, an...

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Envelope Budget is a cash envelope budgeting app for iPhone. Manual entry by design — the moment you log a purchase is the moment you notice it.

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