Simple Finance took a different approach -- saving bits away every day, and assuming you wouldn't notice anything but the lower day-to-day balance and could adjust accordingly.
Maybe the right answer here is to couple this app with a bank account -- so that when you say you didn't spend $3 on a coffee today, that the $3 ends up in an earmarked savings account (or at least deducted from the "safe-to-spend" balance) for that special something you're saving up for.
Maybe the right answer here is to couple this app with a bank account -- so that when you say you didn't spend $3 on a coffee today, that the $3 ends up in an earmarked savings account (or at least deducted from the "safe-to-spend" balance) for that special something you're saving up for.