SAVING GOALS

Save for the things that matter most

Spruce lets you automatically put money away for an emergency, a surprise expense, or those big purchases on your “someday” wishlist. Simply create your goal and breathe easy with auto save settings that work for you.

Start saving Calculate your goal

How it works

Specify your goal

Give your goal a name so you always remember what you’re putting money towards.

Set your goal amount

Whatever you’re saving for, set the amount of money you’ll need to save to meet that goal.

Track your progress

With every amount added, watch as you get closer and closer to meeting your goal.

Take the stress out of saving and get started with Spruce

Get started

SAVING GOAL CALCULATOR

Small steps lead to big wins

Use the calculator to see how soon you could achieve your financial goal when you commit to saving regularly. Then get started with Spruce and create your own Saving Goal to really make it happen!

I’m saving for

I want to save a total amount of

To start, I can contribute

And I can continue to contribute

Saving Goals FAQs

Science says you should give your savings goal a name and specific value to be more successful.

Spruce can help you save money with features like Savings Interest, Saving Goals, Round Up, and Cash Back Rewards at select retailers. Also, there are no monthly or sign-up fees and no minimum balance requirements with Spruce, so you can keep even more money in your pocket.

The amount of money you should have in your emergency depends on your individual circumstances. However, a good rule of thumb is to have enough money to cover 3 to 6 months of living expenses.

Don’t have an emergency fund yet? No worries — Spruce can help you build your savings so you can meet your goals over time with automated savings, Round Up, and Cash Back Rewards at select retailers.

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.

Read more FAQs

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.

Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details.
Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.
Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.
No fee to withdraw money at Allpoint® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward®, N.A., Member FDIC.
Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.
Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions using your Card is $0 if you notify us promptly upon becoming aware of the loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard. Please see Spruce Spending Account Agreement the for additional terms and restrictions that may apply.
Mobile check deposit available after you have deposited at least $200 in the past year and your accounts have been open for 30 days. Click here for full terms and limitations.
Offer from H&R Block. Requires 1) opening of new Spruce Accounts between 1/1/23 and 6/30/23; and 2) $200 in qualifying direct deposits within 45 days of opening. Qualifying direct deposits are ACH credits, including direct deposits (but not tax refunds). Deposits that do not qualify are mobile check deposits, internal transfers, transfers within Spruce from external accounts, or cash transfers. $50 will be deposited within 14 business days after completing all requirements. Spruce Accounts may not be closed or restricted at payout. You are responsible for tax treatment of funds. Limit one per customer. May be modified or discontinued at any time.
This is a separate and optional service provided by Atomic (not Pathward, which provides your Spruce Spending and Savings accounts).
The Annual Percentage Yield (APY) is accurate as of 09/23/2024. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.
Standard data charges may apply. Apple Pay is a registered trademark of Apple Inc. Google Pay is a registered trademark of Google LLC.
This is an optional tax refund-related loan from Pathward®, N.A.; it is not your tax refund. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. If approved, funds will be disbursed as directed to a prepaid card or checking account at Pathward. The loan amount will be deducted from your tax refund, reducing the refund amount paid directly to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply. Limited time offer at participating locations.
HRB Maine License No. FRA2. OBTP#13696-BR. ©2023 HRB Tax Group, Inc.