Savings challenges for iPhone and Android
Save your money, one day at a time.
SYM tells you exactly how much to put aside today. Tap the coin when it's done. Your streak, your goals and your tally take care of the rest.
Free to download · USD, GBP, EUR, CAD and AUD · 11 languages
Good evening
3 goals · Sun 11 Oct
$14.70 left today.Emergency Fund is done. One tap saves the other two.
- Holiday Fund$400 of $900 · 40-day streak
- Skip Coffee Fund$47 of $141 · streak restarts today
- Emergency Fund$722 of $5,000 · 26-day streak
How it works
Ten seconds a day.
Open SYM on the bus after payday, at your desk at lunch or on the sofa when a reminder nudges you. It says how much, you tap once, and you're done for the day.
Pick a challenge
Start with the 52-Week, 100 Envelope, 1p or No-Spend challenge, or set your own target and date. SYM works out what each day needs.
One tap a day
When today's amount is put aside, tap the coin. That's the whole habit. Running a few goals? One tap saves everything due.
Watch the tally fill
Every save leaves a mark. A 180-day goal is 180 marks, and you can see each one you've made. Missed days stay calm and can be caught up.
Status is a shape, not just a colour.
- Saved. A pale tint with a tick.
- Due today. An amber ring. Your streak holds until midnight.
- Missed. A dashed ring you can catch up. Never a red cross.
Emergency Fund
Day 28 of 180
$722.28 of $5,000
- Saved
- Caught up
- Missed
- Due today
What's in the app
Everything points at today's one tap.
Challenges
Twenty challenges, or your own.
The classics are built in, with the maths done for you. Pick one, choose a start date and SYM sets the schedule: daily, weekly, monthly or weekends only.
Paying something off instead? There's a debt planner too, using the snowball or avalanche method.
52-Week Challenge
$1 in week one, up to $52 in week 52. Or run it in reverse.
$1,378in a year
100 Envelope
Open an envelope, save what's inside. Lite and Mini versions too.
$5,050over 100 envelopes
1p Challenge
1¢ on day one, 2¢ on day two, $3.65 on the last day.
$667.95in 365 days
No-Spend
7, 14 or 30 days of spending nothing extra, with freeze days.
7–30days
Emergency Fund
Set a target and a date. SYM works out each day's amount.
$27.78a day for $5,000
Skip Coffee Fund
Put the coffee money aside instead of spending it.
$4.70a day you skip it
Streaks and badges
Every goal keeps its own streak.
A streak only ends once a day is over without a save, so today never counts against you. Each goal has its own, which means a slip on one doesn't wipe out another.
Hit 7, 14, 30, 60, 100 and 365 days and you earn a coin medal. Goals earn them at 25%, 50%, 75% and done. No confetti, no emoji, just a medal worth keeping.
Holiday Fund
Next medal at 60 days
40day streak
Streak medals
- Earned
- Earned
- Earned
- To earn
- To earn
- To earn
Goal medals
Insights
See the whole month at a glance.
Insights puts every scheduled day on a calendar. Tap a day to see what was expected, what you saved and what's left.
Filter by goal, check your on-time rate, and scroll back through a plain day-by-day history when you want the exact figures.
October 2026
All goals| Mo | Tu | We | Th | Fr | Sa | Su |
|---|---|---|---|---|---|---|
| October 1, saved | October 2, saved | October 3, caught up | October 4, saved | |||
| October 5, saved | October 6, saved | October 7, saved | October 8, saved | October 9, saved | October 10, missed | October 11, due today |
| October 12, upcoming | October 13, upcoming | October 14, upcoming | October 15, upcoming | October 16, upcoming | October 17, upcoming | October 18, upcoming |
| October 19, upcoming | October 20, upcoming | October 21, upcoming | October 22, upcoming | October 23, upcoming | October 24, upcoming | October 25, upcoming |
| October 26, upcoming | October 27, upcoming | October 28, upcoming | October 29, upcoming | October 30, upcoming | October 31, upcoming |
- Saved
- Caught up
- Due
- Missed
- Upcoming
- Days saved
- 9
- Missed days
- 1
- On time
- 80%
Penny
Ask Penny when you're stuck.
Penny is the assistant inside SYM. Ask how your week went, how to catch up after a missed day, or how to plan around payday. Answers are based on your own goals and saves.
Penny doesn't move money and isn't a financial adviser. Think of it as a calm second opinion.
Penny
Your financial assistant
Help me catch up
Skip Coffee Fund missed Saturday. Put the $4.70 aside when you can and the total stays on plan. Its streak starts again with today's save. Holiday Fund is on 40 days, so that's the one to protect tonight.
- How am I doing this week?
- Plan for payday
- Ideas to save $5 today
Widgets and Live Activity, on iPhone
Today's total, without opening the app.
Home Screen and Lock Screen widgets show what's left to save today across all your goals, and which ones are done.
Leave the app with something still due and a Live Activity keeps the day's total on your Lock Screen and in the Dynamic Island, then clears itself once everything is saved.
Widgets and the Live Activity are iPhone only. Everything else works on Android too.
Sunday 11 October
20:00
$14.70 left today
Holiday Fund · Skip Coffee Fund
1/3
1/3saved today
Today
$14.70left · 2 of 3 goals
- Holiday Fund$10.00
- Skip Coffee$4.70
- Emergency Fund$27.78
Does SYM hold or move my money?
No. SYM doesn't connect to your bank, hold funds or take payments. You put the money aside wherever you like, a savings account, a pot or a jar, and tap the coin to record it.
What happens if I miss a day?
The day shows as missed with a dashed ring, not a red cross. You can catch it up whenever you're ready and it still counts towards your total. Your streak restarts with your next on-time save.
When does a streak break?
Only once a day is over. Today stays open until midnight, so an unsaved day shows as due, not missed, and your streak holds until then. Each goal keeps its own streak.
Can I run more than one goal?
Yes. The big coin adds up everything due today, so one tap saves it all. Each goal also has its own small coin if you only want to save one.
Is SYM free?
SYM is free to download, and picking a challenge, saving each day, streaks and badges work without paying. There is an optional Pro subscription with extra automations and insights, with a free trial you can cancel any time.
How does the 52‑Week Challenge work?
You save £1 in week one, £2 in week two and so on up to £52 in week 52. That's £1,378 by the end of the year. SYM can also run it in reverse, starting at £52.
Which currencies and devices are supported?
SYM works in USD, GBP, EUR, CAD and AUD, in 11 languages. It runs on iPhone and Android. Home Screen and Lock Screen widgets and the Live Activity are iPhone only.
Where is my data kept?
On your phone by default, and you can use SYM without an account. If you choose to sign in, your goals sync so they're there on a new device. Our privacy policy has the details.
Today's amount is waiting.
Pick a challenge, make your first save and the streak starts today. Free on the App Store and Google Play.