I&#x27;m using <a href="https:&#x2F;&#x2F;www.simple.com&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.simple.com&#x2F;</a>, which is a debit card but really a PFM (personal finance manager). I have a ton of goals set up with automatic daily &quot;savings&quot; that move a small amount of money into my goals (ranging from &quot;haircut next month&quot; to &quot;Portland trip&quot;), and Simple calculates how much to move each day based on the amount I need and target date the money&#x27;s needed. Pretty granular, and I feel pretty in control without any spreadsheets or charts.