Saving goals

Money doesn’t save itself.

Spruce lets you automatically put money away for an emergency, a surprise expense, or those big purchases on your “someday” wishlist. Take the stress out of saving.

Small steps lead to big wins.

Planning ahead creates financial stability and can get you to your goals faster. Hoping to meet your goal in 6 months? Spruce has a chart that shows how much you’ll need to stash away each month to make it happen.

It’s your savings. Use it when you need it.

Sometimes life throws a curve ball your way. We get it. Spruce keeps your saving goals separate from your spending account, but you can move money back and forth whenever you need to.

Build your financial safety net.

According to financial studies, fewer than 40% of Americans said they could afford a $1,000 emergency. That’s why for many, establishing an emergency fund is the first step towards financial stability. Experts recommend having 3 to 6 months of expenses saved for emergencies. It might seem impossible until you get started. Every penny saved gets you closer.

Research conducted by the Financial Health Network.

Turn your purchases into savings.

When you use your Spruce debit card at select retailers, you’ll automatically get cash back rewards deposited into your “Spruce Extra Savings” account.  Those extra dollars can help you meet your saving goals sooner.

Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

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  1. Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details.