Savings goals that
fill themselves
Set a goal, tie it to a bucket. Every month, unused funds roll into that bucket's reserve automatically — building toward your target without any extra effort.
How automatic reserves work
Every bucket in Folosat has its own isolated reserve. When you spend less than your allocation in a month, the leftover stays in that bucket's reserve — not in a shared pool. Your savings goal tracks how the reserve grows toward your target.
Underspend a bucket
You allocated 30% Personal but only spent 22%. The remaining 8% stays in the Personal bucket.
Reserve grows
That 8% rolls into your Personal bucket's reserve — isolated, not mixed with Obligations or Investment.
Goal fills up
Your "Vacation fund" goal tracks the reserve balance and shows progress toward your target.
Goal examples by bucket
Emergency fund
3–6 months of fixed expenses, building up in your Obligations reserve
Vacation fund
Set a target and date. Unused Personal spending rolls in each month.
Course fund
Saving up for a certification or program that will grow your income
Debt payoff
Track progress toward clearing a credit card or informal debt
Car fund
Building a down payment or replacement fund over months
Zakat fund
Accumulating Zakat and Sadaqa until ready to give
What's included
Frequently asked questions
How do savings goals work in Folosat?
You create a savings goal and tie it to a bucket (e.g. a "Car fund" goal in your Personal bucket, or an "Emergency fund" goal in your Obligations bucket). Each month, unused funds from that bucket roll into its reserve. Your goal tracks progress against the target amount.
What goal categories are supported?
Emergency fund, vacation, car, wedding, home, debt payoff, investment, trip, project, and general savings. Each goal tracks a target amount, a target date, and your current progress.
Are reserves automatic?
Yes. When you underspend a bucket in a given month, the surplus automatically rolls into that bucket's isolated reserve. You don't need to manually move money. The reserve builds up over time and contributes toward any goal you've set for that bucket.
Can I have multiple goals at the same time?
Yes. You can have as many goals as you need — across different buckets. Each goal tracks independently. Folosat shows your overall progress across all goals in the dashboard.
Is Folosat free for savings goals?
Yes — completely free during early access. All savings goal features are included at no cost.