Choose the pool
Use a checking subaccount, savings account, envelope, or any place where reserved money is easy to see. Saver does not connect to it; you compare the balance yourself.
First setup
Set up Saver in one planning session.
Saver is for answering one practical question: how much should your dedicated pool hold today so your known bills and goals are covered on time?
Initial steps
Build the plan, then trust the number.
The best setup is simple: one real account or envelope for the pool, all known income, and every obligation you want covered before it arrives.
Add income
Enter each paycheck, client payment, or expected deposit. Pick the real schedule: weekly, every two weeks, monthly, one-time, yearly, or custom.
Add bills and goals
Start with rent or mortgage, utilities, insurance, taxes, subscriptions, school, car costs, travel goals, and any large planned purchase.
Check today's required balance
This is the amount your pool should hold by the end of today. If your real pool is below it, top it up. If it is above it, the extra is available.
Follow payday instructions
When income arrives, Saver tells you how much to move to the pool. The rest can stay outside the pool without weakening the plan.
Test new decisions before spending
Add a possible car, trip, subscription, or hobby as a draft and read the impact preview. Saver shows the new required balance and future deposit changes before you commit.
Turn on reminders if useful
Optional payday and due-date notifications nudge you when money should move or when a covered payment is due.
Export a backup
Use JSON for a Saver backup or CSV for a spreadsheet. Export is manual and controlled by you.