Let me guess. You want something. Could be a new laptop, a trip to Dubai, a better phone, maybe you’re trying to finally move out of your parents’ house. You’ve been “saving” for it for months, but somehow the money never adds up. You check your account and wonder where it all went.

Vibes killed it. Unplanned expenses killed it. “I’ll save next month” killed it.

Here’s the uncomfortable truth: wanting something isn’t enough. Hoping to save isn’t a strategy. You need a target, a deadline, and a plan. That’s what separates people who achieve goals from people who just keep wishing.

This calculator is your accountability partner, your reality check, and your motivation all in one.

Here’s how you use it:

Step 1: What are you saving for? Type it in. Be specific. “New Phone” hits different than just “Savings.” Make it real.

Step 2: How much does it cost? Enter your target amount. If you want a laptop that costs 450k, put 450k. Don’t lowball it and set yourself up for disappointment later.

Step 3: How much have you already saved toward this goal? If you’ve got 50k already, put it. If you’re starting fresh, put zero. The calculator adjusts based on where you are.

Step 4: When do you want to have this thing? Pick your target date. Be realistic but challenge yourself a little. If it’s a 6-month goal, pick a date 6 months from now.

Step 5: Hit “Track My Progress” and watch your plan unfold.

What you’ll see:

A progress bar showing exactly how close you are. Current savings vs. what you still need. Days remaining until your deadline. And here’s the best part: it breaks down exactly how much you need to save daily, weekly, and monthly to hit your goal on time.

No more guessing. No more “let me just save what I can and hope for the best.” You now have a clear roadmap.

The psychology behind this:

When you see your progress visually (that progress bar filling up), your brain gets excited. You want to see it grow. It’s addictive in a good way. Plus, when you know you need to save 8,500 naira per week, you make different decisions. That random impulse buy? You think twice. That extra shift or side hustle? Suddenly worth it.

Pro move: Screenshot your progress and update it weekly. Post it on your private story if you need external accountability. Share it with one trusted friend who’ll check in on you. Make it real.

You’re not just saving money. You’re proving to yourself that you can set a goal and smash it. That confidence? It transfers to everything else in your life.

Stop wishing. Start tracking. Get that thing you want.