Goal-based saving for ordinary people
Ditch the spreadsheet. Save for something.
Huchy turns your goal (a house deposit, a car, that trip) into a monthly amount you can actually manage, and shows you every day how much is left. No €5 templates, no broken formulas. Use it on your own or with your whole family (up to 6 people, each with their own login). Track your investments too. Coming soon
Choose your goal
What are you saving for?
Each goal has its own calculator, its hidden costs and its plan. Start with yours.
Deposit for your first home
The 20% the bank won't lend you, plus the buying costs. The biggest goal, and the one most people give up on.
Typical goal: €40,000 to €70,000A car
Save the deposit or the whole car so you don't pay 8% interest for five years.
Typical goal: €8,000 to €25,000A trip
Japan, a road trip along the west coast, the honeymoon. Paid for before you leave, with no credit card bill when you're back.
Typical goal: €1,500 to €6,000Emergency fund
Three to six months of expenses. The goal that lets you sleep at night, and the one to start with.
Typical goal: €4,000 to €12,000A wedding
A shared budget that doesn't spiral with every supplier, with what each person puts in out in the open.
Typical goal: €10,000 to €25,000Children and education
University, a master's or your children's first home. Ten-year goals with small contributions.
Typical goal: €15,000 to €40,000
On your own or as a family
Just for you, or for the whole family
Use it on your own or invite your people: up to 6 people, each with their own login, for the same price.
- What's yours is private. Only you see your accounts, goals, transactions and cash. The family sees what you all mark as Joint.
- Who contributed, and who it's for. Every contribution records who made it and who it's allocated to, grandma's too.
- The little ones and the grandparents too. Children are added without a login and the parents manage them. Grandma contributes from outside, without an account. None of them takes up a seat.
ExampleThe Ferrer-Ruiz family
Pablo puts €150 into the MSCI World index fund Coming soon and splits it between three people.
€150contributed by Pablo
- Allocated to Pablo
- €50
- Allocated to Marta
- €50
- Allocated to Leo
- €50
Huchy doesn't buy anything, doesn't give advice and doesn't hold your money. It keeps track.
Investments Coming soon
Your family's investments, next to your goals
Record what the family has already invested and Huchy splits it by person: who contributed each euro and who it's for.
- Funds, ETFs, pension plans, managed portfolios and shares. Entered by hand, without connecting your broker. We never ask for its password.
- Who pays, and who it's for. Each contribution is split between people, and you see it per person and for the whole family.
- Dividends and interest. With the gross, the withholding tax and the net your broker gives you. The return includes them.
- Goals with an invested part. If part of the education goal is in a fund, each contribution counts towards the goal and the investment, just once.
ExampleThe Ferrer-Ruiz family
Two ETFs and one share, entered by hand and split by person.
€12,480family portfolio
- Allocated to Marta
- €5,120
- Allocated to Pablo
- €5,880
- Allocated to Leo
- €1,480
€11,730 contributed. Huchy doesn't buy anything, doesn't give advice and doesn't hold your money.
- iShares Core MSCI World
- Vanguard S&P 500
- Inditex
Fictional example. Huchy doesn't recommend any product.
How it works
Three steps and a number you can stick to
Set the goal and the date
How much you need, how much you've already saved and by when. Huchy gives you the monthly, weekly and daily target.
Add your accounts your way
Upload your bank statement as CSV or Excel, or enter transactions by hand. Huchy sorts them with your rules.
See every day how much is left
An overview with each goal's progress, what you've spent this month and whether you're ahead of or behind the plan.
Goodbye, template
What the €5 spreadsheet can't do
Excel template
The one you bought on Etsy or found in a Twitter thread.
- It breaks when you add a row in the wrong place
- Sharing it means showing everything, including what's only yours
- Investments live in another tab and nobody knows who each part is for
- It never tells you anything: you have to open it and check
- Adding up your bank transactions is your job, every month
- It doesn't know how many days are left until your goal
- It lives on a laptop; on a phone it's unreadable
Huchy
Built only for goal-based saving.
- Every goal has a date, a target and real progress
- Up to 6 people in your family, each with their own login, and what's personal stays private
- The family's investments, split by person and with their dividends Coming soon
- You import your statement and the rules sort it for you
- A budget by category, compared with what you spend
- It tells you in euros a day what's left
- Works on your phone and your computer, with your data in the European Union
What's included
Everything you need, nothing to distract you
Goals with a deadline
As many as you like. Each with its target and its arrival date, recalculated when you contribute more or less.
The whole family
Up to 6 people, each with their own login, for the same price. What's personal stays private; what's joint, you all see.
Investments and dividends Coming soon
Funds, ETFs, pension plans and shares, entered by hand and split by person, with their dividends.
Accounts and piggy banks
Current account, savings account, the piggy bank at home. It adds everything up and splits your savings between goals.
Cash
What you take out at the cash machine and what you pay in cash, in its own account. When you count it, you adjust it in a moment.
Transaction import
Upload the CSV or Excel file from your bank. Huchy already knows the statements of the main Spanish banks and reads any other bank's: you just tell it which column is which.
Categorisation rules
"If it says Mercadona, it's groceries." You set it once and Huchy always applies it.
Monthly budget
A limit per category and a traffic light. What's left over goes to your goal.
A clear overview
Progress, pace and estimated date for every goal, at a glance. With Excel export, if you miss it.
Price
Less than the spreadsheet template you were about to buy
Free, always
Goal calculator
€0
To work out how much to save each month, without signing up.
- Calculator for a house deposit, a car, a trip and more
- Share the plan with a link
- Savings guides
Huchy Pro · launch price
The whole family, one price
€7.99/ month, including tax
€79/ year, including tax (€6.58/month)
14-day trial, no card needed. If you subscribe before 1 April 2027, you keep this price for as long as you stay subscribed, unless taxes change.
- Up to 6 people in your family, aged 18 or over, each with their own login
- Unlimited goals with a deadline and a target, yours or shared
- Investments and dividends: funds, ETFs and shares Coming soon
- Accounts, transactions and CSV / Excel import
- Categorisation rules and a monthly budget
- Overview with progress and estimated date
- Data hosted in the European Union
- Export to Excel whenever you like
Frequently asked questions
What people ask us before they start
Does Huchy connect to my bank?
No. There's no automatic connection to your bank: you download the statement as CSV or Excel from your bank's website or app (Huchy tells you how for every bank it knows) and upload it, or you enter transactions by hand. That way your bank passwords never go through us. For now, Huchy only handles accounts in euros.
Does Huchy hold my money or invest it for me?
No. Huchy doesn't buy anything, doesn't give advice and doesn't hold your money. It's a smart notebook: it tells you how much to save and keeps track. Your money stays in your bank, your savings account or with your broker.
Can my whole family use it?
Yes. Huchy Pro includes up to 6 people aged 18 or over, each with their own login, at no extra cost. You don't need to live together. Children without a login, whom the parents manage, and people who contribute from outside, like a grandmother, don't take up a seat.
Can other people in my family see what I record?
No, unless you want them to. Your accounts, goals, transactions, budget and cash are private by default, including from the family admin. Others only see what you mark as Joint or share with them.
Does Huchy track my investments? Coming soon
Coming soon, in the same Pro at no extra cost. You enter them by hand: funds, ETFs, pension plans, managed portfolios and shares, with their dividends and split by person. There are no automatic prices and no connection to your broker, and we never ask for its password. Huchy doesn't buy anything, doesn't give advice and doesn't hold your money. It only keeps track.
Can I share a savings goal with my partner?
Yes. You create a shared goal, decide who it's for and each of you contributes from your own accounts. Huchy records who contributed how much. If your parents or the grandparents help, they fit in too.
What happens to my data?
It's stored, encrypted, on servers in the European Union. You can export it or delete your account in one click.
Why is there no free plan?
The calculator is free and doesn't need an account. The rest costs €7.99 a month for the whole family because we don't sell your data or show ads. Try it free for 14 days, no card needed.
Your goal, in euros a day.
Enter your goal and the time frame to see how much to save a month, a week and a day. Free, no sign-up.