For a number in your future
Not 'spend less'. €10,000 by next summer.
Vague thrift doesn't survive a sale. A number with a date does. Committo plots the pace line from what you've saved to what you're aiming at — and tells you every week whether you're on it.
You say
“I want to save €10,000”
Committo builds
Finance
Save €10,000
Choose your target
Reach €6,000
EasierReach €8,500
RecommendedReach €10,000
ChallengeA pace line for your money
Committo turns the big number into a weekly pace. Log what you put aside, watch the line climb, and see early when a slow month needs catching up — while there's still time.
A live example — the four beats are numbered on the cards. In the app, this screen runs on your data.
1Commit for a cycle
Save €2,500 this cycle
On trackFinance • Goal 2500 € by Sep 20 · Week 6 of 12
Part of · €10,000 emergency fund
2Log it in one tap
Log this week
150
€ / 2,500 goal
3Weeks tell the truth
52%
to finish
4Your coach notices
Proactive · on real receipts
Week 4 was a zero and you're still projected to finish early — that's what buffer weeks are for. Keep going ✓
The evidence behind this
We grade what we lean on, and we show the grade. A is settled science; B is real but modest or genuinely contested — we say so rather than quietly leaving it out.
A cushion you can reach tomorrow predicts life satisfaction over and above assets and spending — and on the dark side, unsecured debt is one of the most reliable financial correlates of depression and mental distress. The buffer is the commitment; the rest is portfolio theory.
B+Sources and the caveat
Sources
- Ruberton, Gladstone & Lyubomirsky 2016, Emotion 16(5) · doi:10.1037/emo0000184
- Richardson, Elliott & Roberts 2013, Clinical Psychology Review 33(8) · doi:10.1016/j.cpr.2013.08.009
The caveat
The buffer study is a single small field study (suggestive, not settled); the debt literature is cross-sectional-dominated and causation runs both ways — distress also produces debt.
Money buys happiness mostly by removing misery — an extra euro matters most when money is tight. The famous "$75k plateau" was settled by an adversarial collaboration between the rival researchers: for most people, wellbeing keeps rising gently with each doubling of income; only for the unhappiest fifth does it flatten, around $100k.
A-Sources and the caveat
Sources
- Kahneman & Deaton 2010, PNAS 107(38) · doi:10.1073/pnas.1011492107
- Killingsworth 2021, PNAS 118(4) · doi:10.1073/pnas.2016976118
- Killingsworth, Kahneman & Mellers 2023, PNAS 120(10) · doi:10.1073/pnas.2208661120
The caveat
US samples dominate; post-publication letters contest causal interpretation. "Log-linear" is doing quiet work — per-euro returns genuinely diminish even though there is no hard ceiling.