You set the goal, we scan UK accounts and build your plan.You set the goal, we scan UK accounts and build your plan — including which ones to open, how much to deposit, and when you'll get there.
Estimates only, not financial advice
Step 1 of 4 · Goal
How it works
Tell us what you're saving for, how much it costs and when you need the money. A house deposit, wedding, car, holiday or emergency fund all work.
Enter any savings you're starting with and how much you can put away each month, plus your tax band so the plan can use your allowances.
We pick named accounts from today's UK market, show how much to put in each and project when you'll reach your target.
Open the accounts and set up your monthly transfer. Save the plan and it rebuilds with fresh rates whenever you check in.
Matching accounts to time
Under 6 months
Short fixes rarely pay enough extra to lock money away, and it suits money you might need any time.
6 to 23 months
The longest fix that matures before your goal date, or a 1-year fix you renew at maturity.
2 years or more
Locks in today's rate for up to two years, then you re-plan the grown pot at that point.
Alongside, every month
Regular savers usually pay the highest rates on monthly deposits, so that's where money from your pay goes. Anything over the monthly limit goes into easy access.
Built in
The fiddly parts of picking accounts are handled before anything reaches your plan.
Tax-free interest a year: £1,000 basic rate, £500 higher rate, £0 additional rate.
A regular saver that needs a current account is only used when its terms say so clearly.
If the end date isn't clear in the terms, the plan tells you to check them instead.
Every provider is FCA authorised and FSCS covered, up to £120,000 per person, per banking licence.
Keep going
Your questions answered
A savings plan sets out what you are saving for, how much you need, when you need it by, and where the money will sit in the meantime. Our savings plan builder turns those answers into named accounts from today's UK market: which to open, how much to put in each, and when you are likely to reach your goal.
Yes. Building a plan is free and you do not need an account. If you want to come back to it, you can save the plan with your email address and get a link that rebuilds it with the latest rates every time you open it.
It matches the account type to your timeline. Money you might need at any time, or within six months, goes into easy access. For six to 23 months it looks for a fixed rate bond that matures before your goal date. For two years or more it uses the longest fix that fits a two-year planning window. Monthly savings go into the best regular saver you can actually open, with anything over its monthly limit going into easy access.
Take your target, subtract what your current savings should grow to by the goal date, and divide what is left by the number of months you have. The plan builder does this sum for you using the rates in your plan, and tells you whether the monthly amount you entered is enough or how far short it falls.
It depends on how much interest you will earn. Basic-rate taxpayers can earn £1,000 of savings interest a year tax-free, higher-rate taxpayers £500 and additional-rate taxpayers nothing. If your plan's first-year interest would go over your allowance and you still have ISA allowance left, the plan switches that part of the plan to the equivalent Cash ISA, up to the £20,000 yearly limit.
Your plan only uses UK banks and building societies authorised by the FCA, which are covered by the Financial Services Compensation Scheme up to £120,000 per person, per banking licence. If a plan would ever put more than that with one provider, it is split across two. The limit covers everything you hold with that bank, and some brands share a licence, so count any savings you already have there.
Rates change, so the plan only picks specific accounts for the first two years. After that it projects the rest of the journey at your plan's average rate and marks a rebuild point at month 24, when you can re-plan your grown pot against the rates available then.
Any goal up to £100,000, from a few hundred pounds for a holiday to a house deposit. Typical goals include an emergency fund, a wedding, a car, a new home or a family milestone.
No. It is an illustration built from the figures you enter and the rates available today. It does not know your full circumstances, and rates can change or be withdrawn at any time. Check each account's eligibility and terms before applying, and speak to a regulated financial adviser if you need a personal recommendation.
Free, no sign-up needed, and built from today's rates in about a minute.