The savings tracker that celebrates progress.
You’re probably saving in three places — and couldn’t tell me how much is in any of them right now.
DueZen is a private savings tracker app for iOS and Android that turns saving into an active, visible practice. Set unlimited named goals with target dates, log deposits and withdrawals with full audit history, and unlock celebrations at every milestone — 25%, 50%, 75%, and 100% per goal, plus cumulative tier badges from $100 all the way to $10,000.
A savings tracker built around momentum.
Unlimited goals
Track an emergency fund, vacation, new car, down payment, and holiday fund all at once. No paywall on additional goals — every account gets unlimited.
Honest withdrawal math
Withdrawals are first-class citizens, not "reversed deposits." Both deposits and withdrawals stay in the ledger so you have an audit trail of your real saving behavior.
Milestones at every step
Four per-goal celebrations (25/50/75/100%) plus five cumulative tier badges ($100 → $10k). Saving feels like progress, not deferral.
Debt payoff included
Payoff Goals lets you treat a loan or credit card balance the same way you'd treat a savings goal — with a target, trajectory chart, and estimated completion month.
Multiple goals, no limit.
Most savings apps cap you at three or five goals. DueZen has no limit. Track an emergency fund, a vacation, a new car, a down payment, a wedding, and a holiday fund simultaneously — each with its own target, deadline, planned monthly contribution, icon, and color.
- Unlimited concurrent goals — track as many as you want
- Each goal has: name, target amount, target date, monthly contribution plan, icon, color
- 16 icons: home, car, airplane, trophy, gift, heart, star, rocket, school, briefcase, paw, leaf, musical-notes, camera, diamond, umbrella
- 13 colors: blue, teal, green, yellow, orange, red, pink, purple, indigo, cyan, amber, rose, slate
- Sort by Newest, Closest deadline, or Most progress
- Completed goals collapse into a "Completed" accordion section
Three starting points, infinitely customizable.
DueZen's create flow offers three pre-filled templates plus a fully custom option. Templates only pre-fill the icon and color — you still enter your own name and target amount, so the goal feels like yours from the first tap.
- Emergency Fund — piggy-bank icon, blue accent
- Vacation — airplane icon, teal accent
- New Car — car icon, orange accent
- Custom — pick any of 16 icons and 13 colors
Two transaction types. Honest math.
Deposits and withdrawals are stored as separate transaction types — not as 'reverse deposits.' Each entry has its own ID, amount, date, optional note, and direction. Withdrawing $50 doesn't pretend the $50 deposit never happened; both events are preserved in the ledger so the audit trail stays intact.
- Deposits increment savedAmount, withdrawals decrement (clamped to 0 — never negative)
- Each transaction logged with date, amount, optional note, and type
- Full transaction ledger sortable in reverse-chronological order
- Swipe-to-delete with 5-second undo on any transaction
- Removing a deposit subtracts cleanly; removing a withdrawal restores the balance
Four celebrations per goal.
Every savings goal triggers a celebration when progress crosses 25%, 50%, 75%, and 100%. The 100% celebration is the most elaborate — a "Goal Reached" badge with a special quote pool. Each milestone is logged to your Journey for a permanent record of your progress.
- 25% milestone: quarter mark — momentum confirmed
- 50% milestone: halfway there — slow-motion celebration
- 75% milestone: home stretch — anticipation builds
- 100% milestone: goal reached — full celebration with quote
- Each milestone fires a goalMilestone Journey entry permanently
- First Deposit on a new goal also triggers a one-time miniToast: "Momentum begins"
Recognition that compounds.
Beyond per-goal milestones, DueZen tracks cumulative net deposits across every goal you have. Cross $100, $500, $1,000, $5,000, or $10,000 in lifetime savings and the app fires a tier celebration. The math is honest — withdrawals subtract from cumulative.
- $100 tier — first cumulative milestone
- $500 tier — momentum confirmed
- $1,000 tier — meaningful safety net
- $5,000 tier — emergency fund territory
- $10,000 tier — top tier, real wealth-building
Live math, not static targets.
Every goal's detail screen calculates pace and projects completion in real time. Pace is measured in $/week from the first deposit. Projection uses either your declared monthly contribution or recent historical pace. Both update with every transaction so the timeline stays honest.
- Pace = totalDeposited ÷ weeksSinceFirstDeposit ($/week)
- Projected completion = (target − saved) ÷ pace, expressed in months
- Net This Month = deposits minus withdrawals in current calendar month
- Average Deposit, Largest Deposit, and Deposit Count surfaced as quick stats
- Deposits Over Time chart filterable by Month / Quarter / Year
Track debt the way you track savings.
Payoff Goals are DueZen's parallel system for debt reduction — loans, credit cards, anything where you want to drive a balance toward zero (or any target). Set a target balance, log balance updates over time, and the detail screen plots your trajectory with the target line and estimates payoff time.
- Set payoffGoal on any reminder — typically a loan or credit card
- Log balance updates with the recordBalanceUpdate flow — full balance, not deltas
- Detail screen renders balanceHistory as a line chart with target overlay
- Estimated payoff time based on average monthly payment from paymentHistory
- Dashboard Payment Goals section surfaces every active payoff goal at a glance
Four notification types. All optional.
Savings notifications are gentle by default. The app nudges if a goal is one deposit away from a milestone, when a target date is approaching and you're behind pace, after 10 days of inactivity on a deadlined goal, or after 14 days of zero deposit activity across all goals. Every notification respects Quiet Hours.
- Milestone nudge: "Your Emergency Fund is at 48% — one more deposit and you'll cross 50%"
- Final stretch alert: target date approaching and behind pace
- Inactivity nudge: 10+ days with no deposit on any deadlined goal
- General savings nudge: 14+ days with no activity across all goals
- All four nudges individually toggleable in Notification Settings
Goals that celebrate, not nag.
Set unlimited savings goals. Watch progress bars fill in real time. Cross 25%, 50%, 75%, 100% on each goal — plus cumulative tier badges from $100 lifetime saved up to $10,000. Every milestone, a celebration.
DueZen vs. typical savings tracker apps.
Most savings apps treat goals like static spreadsheets. DueZen treats them like progress bars — visible, celebrated, and compounded across every goal you set.
| Feature | Typical savings app | DueZen |
|---|---|---|
| Number of concurrent goals | Often capped at 3–5 | Unlimited |
| Goal templates | None or generic | Emergency Fund, Vacation, New Car, Custom |
| Withdrawal handling | Treated as deposit reversal | Separate transaction type with audit trail |
| Milestone celebrations | None or one at completion | 25%, 50%, 75%, 100% per goal |
| Cumulative savings recognition | Not tracked | Tier badges at $100, $500, $1k, $5k, $10k |
| Pace projection | Static target only | Live pace + projected completion in months |
| Debt payoff tracking | Separate app needed | Built-in Payoff Goals with balance history chart |
| Privacy | Cloud sync | On-device, encrypted |
Savings tracker questions, answered.
A savings tracker app records progress toward specific financial goals — emergency funds, vacations, down payments, debt payoff. It logs every deposit and withdrawal, projects when you'll reach the target based on pace, and (in DueZen's case) celebrates milestones along the way.
Saving feels different when it's celebrated.
Unlimited goals. Honest math. Milestones at every step of the way.
