Personal finances · Save toward a goal
Save with a clear goal, not willpower alone
Saving without a goal is a wish; with a goal and tracking it's a plan. Set your goal in the dashboard and let Paula keep you company on WhatsApp: log your moves and watch, month by month, how much you managed to put away.
The problem
You want to save but never know how much you can
If you can't see your spending, savings become "whatever's left" — and nothing's ever left. Saving starts with knowing what really comes in and goes out.
You set goals and abandon them
"This year I'll save for real" lasts until the first surprise expense. Without a concrete number and some tracking, the goal fades within weeks.
You don't know your savings rate
Are you keeping 5% of what you earn, or 20%? If you don't measure it, you can't improve it. Your savings rate is the number that actually moves the needle.
How Paula solves it
Your goal, clear and tracked
You set how much you want to save and by when in the dashboard, and follow the progress there. Having the number in front of you is what turns a wish into a plan.
Your savings rate, on WhatsApp
Because you log what comes in and what goes out, Paula tells you in your summary what share you managed to keep this month. One simple number that tells you if you're on track.
Set it aside before you spend
With the contribution as a recurring move, savings come out first, not last. What you don't see, you don't spend.
Real examples
You message Paula
“moved 150 to savings”
And this happens
Logged in your personal finances; your monthly summary reflects it.
You message Paula
“personal summary”
And this happens
Paula tells you how much came in, how much went out, and your savings rate for the month.
You message Paula
“how much have I saved this month?”
And this happens
She replies with what you managed to set aside and your savings rate, right there in the chat.
Frequently asked questions
Is the savings goal set on WhatsApp?
You set the goal in the dashboard in a minute (how much you want to save and by when) and follow progress there. The day-to-day — logging your moves and seeing your savings rate — is on WhatsApp, with nothing to open.
Can I see how much I manage to save each month?
Yes: in your personal summary, Paula shows your savings rate — that is, how much of what came in you managed to keep. It's the best gauge of whether your plan is working.
Can I try it without a card?
Yes: you get 7 days free, no credit card. Sign up with your email, try it, and if it works for you, you stay.
Start getting your accounts straight
Try Hayes free for 7 days, no card. Business and personal finances, all on WhatsApp.
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