A savings app built around one goal at a time. If a real emergency lands first, you can still get the money out, with your guardian's approval and no penalty.
Set it once and the money moves toward the thing you want without you thinking about it.
Pick the amount and the date, like "$30,000 for the wedding by June 2029." Set it with your partner and you'll both see the progress.
You choose an amount and it moves across on payday, so saving stops being a decision you make twice a month. You barely notice it leave, and the balance climbs.
The money stays where it is until you reach the goal. It is still there for the week the car dies: ask, and your guardian approves the release. You can take out part of it and leave the rest saved.
If it is a real emergency you can still get your money out, with your guardian's approval. Your guardian is someone you picked yourself at the start, and someone you trust: a friend, a family member, a loved one. They never hold your money and they cannot move it. Their only job is to help you stick to a goal you set for yourself, which includes helping you work out whether you need part of it or all of it. No penalty either way.
Pick someone who wants you to get there. You can change who it is whenever you like, and you can start without one and add them later.
Your guardian sees how close you are to the goal as a percentage. The balance itself stays private. That is enough for them to cheer you on, and if you ask for money out early they also see the amount you asked for.
You wanted the money at eleven o'clock on a Friday night. Telling someone why, and waiting for them to agree, is usually where that ends.
A Vow vault opens when you reach your goal, and it opens early when you ask and your guardian approves. Nobody can quietly drain it, including your guardian and including us. You are never locked out of your own money.
Vow is not open yet. Leave your email and I'll write to you when it is. I'll ask you a question or two along the way, because I would rather build the thing you need than guess at it.
You get your money. Request it, your guardian approves it, and it comes back to you. There is a short wait before the money moves, which is usually enough for an urge to pass. You can take out part of it and leave the rest of the goal running.
No. Your guardian never holds your money and cannot move it. The only thing they can do is approve a release back to you, into your own account. You choose who it is when you set the goal, and you can change them later.
No. Vow to Save LLC is a Colorado company building a savings app. Vow is not a bank, and a vault is not a bank account.
In a vault that follows the rules you wrote when you opened it, rather than in a company account that somebody here can move. That part is what I am building most carefully, and Vow will publish exactly how it works before anyone can put a dollar in.
The rules your vault follows do not depend on Vow being around. I would rather show you how that works than ask you to take my word for it, so the detail goes up before deposits open.
A flat monthly fee. Vow will never take a percentage of what you save. The exact number is not set yet, and I would rather leave it blank than invent one.
No date yet. Giving you one I might miss would be a bad way to start.
Anyone saving toward a big goal, whether that's a wedding, a home, a baby or a business reserve, who wants the money to be there when the day comes.