Savings Goals & Sinking Funds Tracker
Why Sinking Funds Beat Generic Savings
When all your savings sit in one general bank account, it is easy to accidentally spend house rent reserves on weekend shopping. Goal jars give every saved rupee a dedicated job.
Dedicated Goal Jars
Set up custom jars for your Emergency Fund, Vehicle Down Payment, Annual Term Insurance, or Festival Gifting with target deadlines.
Target Pace Calculator
Need ₹1,20,000 in 12 months? The app calculates your exact ₹10,000 monthly requirement and tracks whether you are ahead or behind pace.
Milestone Celebrations
Stay motivated with visual ring progression at 25%, 50%, 75%, and 100% completion milestones.
Estimate Your Savings Compounding Timeline
Use our free interactive savings calculator to model recurring deposits and compounding growth.
Frequently Asked Questions
Does AavakJavak lock or hold my money?
No. AavakJavak is a tracking and management ledger. Your actual funds remain securely in your existing bank savings accounts or mutual funds. The app provides the mental accounting structure to prevent accidental spending.
What is the difference between an emergency fund and a sinking fund?
An emergency fund covers unplanned life shocks (job loss, sudden hospitalization). A sinking fund prepares for planned, expected future outflows (car maintenance, Diwali gifts, laptop upgrade).
Start Building Your Sinking Funds Today
Create your first savings goal in under 60 seconds with AavakJavak.