The SMART system.


Clearly define what your savings goal is so you know how much you need to set aside. For example, you could aim to have enough saved to cover three months of living expenses. Or, you could start with a target of $1,000 and go from there. You can help to find out how much you need to save to reach your savings goal with our handy calculator.


Keep tabs on how much you’re spending and putting into savings, as you work towards your goal. You can keep on top of where your money’s going with CashNav, our free money management app that automatically groups your spending into areas like bills and entertainment. Plus, you can save without having to think about it with Salary Splitter, which automatically divides your salary, wages or income into different accounts as soon as you’re paid.


If you’re going to reach your goal, it has to be realistic. Use our budget calculator to help figure out how much you can afford to put away each month, and remember you can make adjustments along the way.


Having money set aside for the unexpected can help you avoid financial stress. Factor in your non-negotiable expenses like mortgage or rental payments, then think about any possible unexpected costs, such as car maintenance or surprise bills.


Set a deadline to achieve your savings target, then work out a timeline that will get you there. You can use our handy calculator to help you find out how long it will take you to reach your goal.

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We can help.

Saving for a goal

Our calculator can help you work out how much you need to reach your savings goals. 

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Tracks your spending and organises it into categories like bills and groceries to make budgeting easier. 

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Salary Splitter

Automatically divvy up your salary, wages or income into multiple accounts, as soon as you get paid. 

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Budget calculator

An easy way to work out your expenses, and create a personal budget.

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Your savings timeline

Use this calculator to help work out how long it will take to reach your target if you know how much you’ll be saving regularly. 

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