Hit your first savings goal

Saving is a habit, not a personality trait. A Pady Goal makes the habit invisible: you decide the amount and the day, and we handle the rest. Interest is paid monthly on locked balances.

1. 1

   Create a Goal

   Tap Save → New Goal. Name it something specific — 'Japa fund' beats 'Savings' every time. Set a target amount and a target date.

2. 2

   Choose your rhythm

   Daily, weekly, or monthly. Pick a day and an amount that feels almost too small. The magic is consistency, not size.

3. 3

   Lock it (or don't)

   Locked goals earn a higher rate — up to 12% per annum — but can't be withdrawn early. Flex goals earn 7% and let you pull out anytime. Start locked if you're building the habit.

4. 4

   Fund the first deposit

   We move it from your main wallet immediately, so the goal starts working the same day.

5. 5

   Turn on progress nudges

   A gentle Friday afternoon notification showing how close you are. Optional, but it's what turns saving into a game.