1. Pick a goal and a version
The classic 52-week challenge saves $1 in week 1, $2 in week 2 and so on, for $1,378 by the end of the year. Prefer a different total? The free 52-week savings challenge calculator shows the total for any starting amount and weekly increase.
2. Check the hard weeks
In the classic version the biggest deposits ($45 to $52) come in December, right at holiday time. Many people run it in reverse, starting with $52, or use a flat weekly amount instead.
3. Fit it into your 2027 budget
Add the weekly amount as a line in your budget so it is planned, not leftover. The free 2027 budget calculator helps you see what you can afford.
4. Automate it
Set an automatic transfer on payday to a separate savings account. What you do not see, you are less likely to spend.
5. Track every week
Checking off each week keeps you going. The Savings Challenge Tracker spreadsheet logs your deposits and progress, and the Money Planner Bundle includes it with five other budget templates.