Target, date, monthly amount
Enter two and the third is calculated: (target − saved) ÷ months left. Change the date and watch the monthly amount move.
Savings goals
Turn a wish into a monthly amount
"I want to save more" is a wish. "RWF 100,000 on the 5th of every month until I have RWF 1,500,000 by next June" is a goal. Moneva does the arithmetic, checks it against your budget, and keeps you going with milestones and a streak.
What you get
Goals that fit the budget, not just the dream
Contributions as transfers
A contribution is a transfer, not an expense, so it never distorts your spending totals. Withdrawals are recorded the same way, honestly.
Milestones at 25, 50, 75, 100
A fifteen-month goal is a long wait. Milestones mark the moments the plan is visibly working.
A streak that rewards consistency
Consecutive periods with any contribution count. The streak pauses rather than shames you when a month is missed.
On track or behind — and what to do
After every contribution the required monthly amount is recalculated, so the decision — raise the amount or move the date — is always in front of you.
Shared goals for households and groups
Each member's contribution is recorded under their name, so "who still owes?" has an answer everyone can see.
On your phone
Saved so far, the streak and every goal
Savings opens on the total set aside across your active goals, the current and best streak, and each goal with its target, target date and number of contributions. A shared goal is marked as shared and records each member's contribution under their name.
- Progress you can see — percentage and bar per goal, from real contributions only.
- Streak history counts weeks with a deposit; a missed week pauses it rather than shaming you.
- Add a contribution from the plus button like any other transaction; it is recorded as a transfer, never as spending.
How savings goals work
- Create the goal in your personal space or a shared one: name, target amount, target date, and optionally a starting balance already set aside.
- Check the monthly amount against your budget. If it does not fit, the honest options are a later date, a smaller target or more income. The goal page shows the effect of each change before you commit to it.
- Record contributions on a fixed day — the day after income arrives, before anything else is spent. Each contribution is logged as a transfer to the goal.
- Watch milestones and the streak. Notifications arrive when a milestone is reached or a contribution is due, if you have them turned on.
- Recalculate when life happens. Miss a month and the required amount updates; choose to catch up or extend.
Where is the money? With you. Moneva records the contributions you make to a bank account, a mobile wallet or a savings group; it does not hold or move funds. The app tracks progress; the money stays yours.
Which goal first?
If you have no cushion at all, start with a small emergency fund — one month of essentials — before anything else. A single surprise expense will otherwise empty the motorcycle fund, and emptying a goal is the fastest way to stop believing in goals. After that, one priority goal and at most one secondary. Every goal page shows the required monthly amount and whether you are on track, so falling behind is visible early rather than at the deadline.
Questions
Savings goal questions
Where is my money kept?
With you. Moneva records the contributions you make to a goal; it does not hold funds or move money between accounts.
How is 'on track' calculated?
From the amount still needed, the months left until the target date and your contributions so far. The required monthly amount updates as you save.
Can I withdraw from a goal?
Yes. Withdrawals are recorded like contributions so the history stays honest and the progress bar reflects what is really set aside.
Set one goal today
Create a free account, enter a target and a date, and see the monthly amount. Then check whether it fits your budget — honestly.