Does it take money from my bank account?

No. Skipstack has no bank link and never moves real money. It is a simple record for you: you move money into savings yourself and mark it moved in the app.

Can I change the currency?

Yes. Pick any currency in the world in Settings, and amounts follow your local format.

Can I withdraw or take money out of a goal?

Yes. Use Take out on a goal to record a withdrawal, or Add money for savings you put aside another way.

Can I edit or delete an entry I got wrong?

Yes. Tap any entry to change the amount, name, date or goal. Deleted something by mistake? Undo it.

What happens if I switch phones?

Export a backup file in Settings and restore it on your new phone. There is no account or cloud sync, so back up before you switch.

Yes. Every goal, every currency, backup and the widget are free, with no donation unlock or paywall. The app is supported by ads.

Does it work offline?

Yes. Your entries and goals are stored on your phone, and logging and the calculator work without internet. Only ads use a connection.

What if I don't log every day?

Nothing happens. Missed days never turn red. If you like, turn on a gentle evening reminder to log what you skipped.

How many savings goals should I have?

Two or three is easy to manage. Keep one near goal active and focus on it.

Is taking money out of a goal a failure?

No. Just record the withdrawal. Your tracker has to match your real balance to stay useful.

Does a savings tracker need to connect to my bank?

No. Skipstack has no bank link: it keeps the record and you make the transfers, so you never share account details.

What happens to my goals if I switch phones?

Export a backup file in Skipstack's Settings and restore it on the new phone.

← Skipstack home

How to actually reach a savings goal: move it, separate it, track it

Setting a savings goal is more than picking an amount and a date. People who reach their goals tend to do three things: they actually move the money they save, they keep savings separate from spending money, and they record what goes in and out of each goal.

1. Actually move the money

Thinking "I saved $30 this week" doesn't grow your balance. It becomes savings the moment you transfer it. When you track it, keep "money I didn't spend" separate from "money I moved", and count only moved money toward your goal.

2. Keep a separate savings account

Money mixed in with your spending account gets spent again. Open a separate savings account with no debit card attached, such as a high-yield savings or emergency account, and send the money you save only there.

3. Split it into several goals

Several near goals keep you motivated longer than one huge one.

1. Short term: a summer trip or new headphones (3–6 months)
2. Medium term: a new laptop or moving costs (6–12 months)
3. Safety net: a rainy day fund (3–6 months of expenses)
4. Keep one goal active to focus on, and let the others grow slowly

4. Record what goes in and out

Taking money out for an emergency isn't failure. But if you don't record it, the app stops matching your real balance and you stop tracking. Record deposits and withdrawals, and fix a wrong entry right away.

In Skipstack

Skipstack lets you create as many goals as you want and choose the active goal new skips go to. On a goal, use Add money for savings from elsewhere and Take out for withdrawals, and edit or delete any entry with undo. Progress fills only with money you marked moved. There is no bank link, data stays on your phone, and a backup file moves it to a new phone.

FAQ

How many savings goals should I have?: Two or three is easy to manage. Keep one near goal active and focus on it.
Is taking money out of a goal a failure?: No. Just record the withdrawal. Your tracker has to match your real balance to stay useful.
Does a savings tracker need to connect to my bank?: No. Skipstack has no bank link: it keeps the record and you make the transfers, so you never share account details.
What happens to my goals if I switch phones?: Export a backup file in Skipstack's Settings and restore it on the new phone.

Set up your first savings goal

Get Skipstack on Google Play