12 Month Savings Challenge Tracker
Twelve monthly deposits that rise by one step each month. With $50 steps you save $50 in month 1 and $600 in month 12: $3,900 for the year.
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How it works
- Pick a step: $25 ($1,950), $50 ($3,900) or $100 ($7,800).
- Deposit once a month, ideally the day after payday.
- Reverse it if your year-end is expensive.
Tips that keep it going
- Monthly is the lowest-effort rhythm: twelve transfers a year.
Similar challenges compared
| Challenge | Saves | Length |
|---|---|---|
| 52 Week Savings Challenge | $1,378 | 52 weeks |
| 26 Week Savings Challenge | $3,510 | 26 weeks |
| Biweekly Savings Challenge | $3,510 | 26 paychecks |
| Penny Challenge | $667.95 | 365 days |
| 30 Day Savings Challenge | $465 | 30 days |
| 100 Day Savings Challenge | $505.00 | 100 days |
Questions people ask
How much does the 12 month challenge save?
Twelve rising deposits sum to 78 steps: $1,950 with $25 steps, $3,900 with $50 steps, $7,800 with $100 steps.