Savings goals

Save for life's big moments

To apply you must be 16+ and hold a NatWest current account. Our App is available to personal customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international phone number in specific countries.

What's on this page

Step-by-step

Things to be aware of

Handy tools

Top tips

Take the next step

What saving for your goal looks like

What do you do after you’ve opened the savings account that’s right for you? Let's take a look at some potential next steps.

1. How much can you save?

Sit and work out what you can realistically save each month. Our budget calculator could help you if you’re feeling stumped.

2. How much do you need?

Now work out how much you need to reach your goal. Our apps Savings Goal Tool (criteria apply) can help you work out how long it’ll take to reach your goal.

3. Give your goal a name

This makes it feel real and more personal, keeps you motivated, and helps you keep track if you have multiple goals. You can do this quickly in our app’s Savings Goal Tool, as well.

4. Automate your payments

It’s a good idea to save your money before you’re tempted to spend it. Set up a standing order for after you’re paid so the money’s nicely tucked away.

5. Get organised

Think about ways to cut down on spending in your day-to-day life. Even a few extra pennies can make a difference to your savings.

6. Review your progress

Check in every now and then to see how you’re getting on. Are you saving more, or less, than you thought? Could you do more?

Things to be aware of

Sometimes life throws you a curveball or two. Here are some things you could factor into your saving goal so you're not caught out.

Home buying fees

Have you included fees such estate agent, mortgage, survey and conveyancing?

Get the full list of house buying fees

Card fees on holiday

Your could incur charges on certain transactions when spending abroad. Check our guide to make sure you know exactly what to expect.

See the spending abroad guide

Buy a new car

Getting a new car is exciting. Make sure you know what extra expenses there could be and when they kick in.

View a car's running costs

Stamp duty and first-time buyers

Did you know: not all first-time home buyers are exempt from paying no stamp duty on their first home?

Check if you'll pay stamp duty

Marriage costs

Notice to marry, changing your name and more all involve costs. Check our wedding guide to make sure you're covered.

Consider these legal wedding costs

Extra student costs

What costs can you expect on top of tuition and textbooks? Our in-depth survey of 2,964 students has all that info and more.

See the Student Living Index

Keep your goals in your pocket

So, how do you keep track of your saving goal’s progress? There are many ways to do this: write it down in a book, use a spreadsheet, or give our Savings Goal Tool a go.

It’s hugely useful to have it on-hand – especially when you get the urge to splurge. Checking your goal’s current total could help you stay on track rather than get thrown off track.

The Savings Goal Tool is free on the NatWest app for all customers with an instant-access savings account.

Not a NatWest customer? No problem, pick a current account then choose any instant-access savings account that suits you to get going.

See how to set up your goals

Stay on top of your savings in our app

Our website and app have a host of tools to help you save. For example, Round Ups is fab for automating a bit of your spending. Let's take a look at how Round Ups can help you save every day.

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What are Round Ups?

This video shows you what Round Ups are and how they can help automate a bit of your saving. Available to customers with an eligible NatWest current account and instant access savings account.

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How to turn on Round Ups

Our next video shows you how easy it is to turn on Round Ups in the app and save effortlessly.

Spending and Budget Tracker

Great for breaking your spending down into easy-to-understand categories, monthly personalised insights, and tracking against your budget.

See the tracker in action

Budget calculator

Understand in a jiffy what your finances may look like in the long-term and if you need to adjust your budget.

Check out the calculator

NatWest Check-in

Our free Financial Health Check is a review of your personal finances, giving helpful hints, tips and ideas to help you get financially fitter both now and in the future. The best part: you don’t have to leave home to do it, nor be a NatWest customer.

Sort your check-in