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Savings Goals Tracker (Australia)
Track every savings goal in A$: emergency fund, holiday, house deposit and Christmas, with a 52-week challenge.
Seeing progress fortnight by fortnight keeps you going. Start with an emergency fund, then add goals.
Example: how long will my goal take?
| Goal | Example target | Saving per fortnight | Fortnights | About |
|---|---|---|---|---|
| Starter emergency buffer | A$1,000 | A$50 | 20 | 9–10 months |
| Holiday | A$3,000 | A$100 | 30 | about 14 months |
| Christmas next year | A$1,300 | A$50 | 26 | 1 year |
Example figures only, for illustration. Use your own numbers.
The 52-week challenge, explained
Save A$1 in week 1, A$2 in week 2, up to A$52 in week 52. Total: A$1,378. Reverse it (A$52 first) to make December easier. Tick each week in the Savings Goals + 52-Week Challenge.
Where to keep savings
- A separate no-fee savings account per goal or one with labelled buckets
- Emergency money somewhere accessible within a day or two
- Check Moneysmart for comparing savings accounts
General information only, not financial or tax advice.
How much does the 52-week challenge save?
Saving A$1 more each week from A$1 to A$52 adds up to A$1,378.
How do I work out how long a goal takes?
Divide the target by what you save each pay to get the number of pays.
Should savings be in separate accounts?
Many people find separate named accounts or buckets motivating.
Related
Savings Goals + 52-Week Challenge · Fortnightly Budget Spreadsheet · Slate Money HQ app · Budget Planner Bundle · Free Mini Paycheck Budget
Try it in an app
Sinking Funds Jars (A$19, one-off): Save a little each pay for the big bills you know are coming: rego, insurance, Christmas, school fees, holidays.
Savings Challenge Tracker (A$19, one-off): Fun tick-off savings challenges: 52-week, reverse, 26-fortnight, 100 envelopes, Christmas and more, with badges.