Saving feels abstract until you can watch it add up. A challenge gives you a small target to hit each week, and a page to mark it off. It's a simple trick, and it works well for people who've struggled with a plain savings goal.

What to look for

  • Length. A 30-day challenge is a gentle first step, while 52 weeks builds a longer habit.
  • Your style. Shading a chart suits some people, and cash envelopes suit others.
  • Flexibility. Choose a target you could still reach in a tight month.

Our picks

12027 Savings Challenge Planner

40 pages · 52 weeks · PDF

Best for a full year of steady saving

Set money goals and save steadily through a 52-week challenge, with trackers to show your progress.

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Free through Creative Fabrica’s free trial, which renews unless cancelled.

252-Week Money Savings Challenge Kit

20 pages · PDF · US Letter

Best for a savings thermometer you shade in week by week

Choose how much to save, then shade one week at a time on a savings thermometer.

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Free through Creative Fabrica’s free trial, which renews unless cancelled.

3No-Spend Challenge Planner

61 pages · PDF · A4

Best for short bursts of spending less

Savings trackers and money goals for 30, 60 or 90 days of spending less.

GET YOUR FREE DOWNLOAD

Free through Creative Fabrica’s free trial, which renews unless cancelled.

4Cash Stuffing Planner Bundle

30 pages · PDF · A4

Best for budgeting with cash envelopes

An envelope budget system with savings challenge, debt and bill trackers.

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Free through Creative Fabrica’s free trial, which renews unless cancelled.

Before you download

Start with a target that feels almost too small. Finishing an easy challenge does more for your confidence than giving up on a hard one.

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