SavePoint
@savepoint.bsky.social
SavePoint is a privacy-first offline personal finance app for budgeting, cashflow, reports, goals and FIRE. Runs on your computer. No tracking. No subscriptions. Follow for updates, deals and tips. Not financial advice.
https://savepointfinance.com
https://savepointfinance.com
1/4 Closing costs: 2-5% of your home's purchase price.
On a $400K home, that's $8,000-$20,000 IN ADDITION to your down payment.
On a $400K home, that's $8,000-$20,000 IN ADDITION to your down payment.
February 11, 2026 at 2:00 PM
1/4 Closing costs: 2-5% of your home's purchase price.
On a $400K home, that's $8,000-$20,000 IN ADDITION to your down payment.
On a $400K home, that's $8,000-$20,000 IN ADDITION to your down payment.
Just wanted to share a update on what we're working on currently!
We have been taking a diversion to develop a trial version of our personal finance software, SavePoint! The trial will be open-ended with some limits on some advanced features, but allow the opportunity to test the main program.
We have been taking a diversion to develop a trial version of our personal finance software, SavePoint! The trial will be open-ended with some limits on some advanced features, but allow the opportunity to test the main program.
February 11, 2026 at 12:50 AM
Just wanted to share a update on what we're working on currently!
We have been taking a diversion to develop a trial version of our personal finance software, SavePoint! The trial will be open-ended with some limits on some advanced features, but allow the opportunity to test the main program.
We have been taking a diversion to develop a trial version of our personal finance software, SavePoint! The trial will be open-ended with some limits on some advanced features, but allow the opportunity to test the main program.
From the SavePoint blog:
Understanding Safe Withdrawal Rates
The 4% rule guides retirement withdrawal rates. Learn where it comes from and how to apply it to your situation.
https://savepointfinance.com/blog/understanding-safe-withdrawal-rates
Understanding Safe Withdrawal Rates
The 4% rule guides retirement withdrawal rates. Learn where it comes from and how to apply it to your situation.
https://savepointfinance.com/blog/understanding-safe-withdrawal-rates
February 10, 2026 at 7:10 PM
From the SavePoint blog:
Understanding Safe Withdrawal Rates
The 4% rule guides retirement withdrawal rates. Learn where it comes from and how to apply it to your situation.
https://savepointfinance.com/blog/understanding-safe-withdrawal-rates
Understanding Safe Withdrawal Rates
The 4% rule guides retirement withdrawal rates. Learn where it comes from and how to apply it to your situation.
https://savepointfinance.com/blog/understanding-safe-withdrawal-rates
1/4 78% of Americans increase spending within 90 days of a raise.
This is lifestyle inflation - and it's why higher income doesn't automatically mean more wealth.
This is lifestyle inflation - and it's why higher income doesn't automatically mean more wealth.
February 10, 2026 at 2:00 PM
1/4 78% of Americans increase spending within 90 days of a raise.
This is lifestyle inflation - and it's why higher income doesn't automatically mean more wealth.
This is lifestyle inflation - and it's why higher income doesn't automatically mean more wealth.
1/4 The classic rule for stocks vs bonds:
110 - Your Age = % in Stocks
Age 25: 85% stocks
Age 40: 70% stocks
Age 55: 55% stocks
Age 65: 45% stocks
110 - Your Age = % in Stocks
Age 25: 85% stocks
Age 40: 70% stocks
Age 55: 55% stocks
Age 65: 45% stocks
February 9, 2026 at 2:00 PM
1/4 The classic rule for stocks vs bonds:
110 - Your Age = % in Stocks
Age 25: 85% stocks
Age 40: 70% stocks
Age 55: 55% stocks
Age 65: 45% stocks
110 - Your Age = % in Stocks
Age 25: 85% stocks
Age 40: 70% stocks
Age 55: 55% stocks
Age 65: 45% stocks
1/4 Americans used to save 12% of their income. Now it's 3.4%. What happened?
February 8, 2026 at 2:00 PM
1/4 Americans used to save 12% of their income. Now it's 3.4%. What happened?
1/4 $1.77 Trillion in U.S. student loan debt.
Average debt by degree:
Bachelor's: $29,400
Master's: $71,000
Law: $130,000
MBA: $87,000
Medical: $203,000
Average debt by degree:
Bachelor's: $29,400
Master's: $71,000
Law: $130,000
MBA: $87,000
Medical: $203,000
February 7, 2026 at 2:00 PM
1/4 $1.77 Trillion in U.S. student loan debt.
Average debt by degree:
Bachelor's: $29,400
Master's: $71,000
Law: $130,000
MBA: $87,000
Medical: $203,000
Average debt by degree:
Bachelor's: $29,400
Master's: $71,000
Law: $130,000
MBA: $87,000
Medical: $203,000
February 7, 2026 at 3:34 AM
From the SavePoint blog:
https://savepointfinance.com/blog/understanding-market-volatility-what-it-means-for-your-portfolio
https://savepointfinance.com/blog/understanding-market-volatility-what-it-means-for-your-portfolio
February 7, 2026 at 3:19 AM
1/4 You spend 83% more when using cards vs cash.
It's called the "Pain of Paying" - and digital payments bypass it almost entirely.
It's called the "Pain of Paying" - and digital payments bypass it almost entirely.
February 6, 2026 at 2:00 PM
1/4 You spend 83% more when using cards vs cash.
It's called the "Pain of Paying" - and digital payments bypass it almost entirely.
It's called the "Pain of Paying" - and digital payments bypass it almost entirely.
1/4 The simple formula to track retirement progress:
Annual Income x Multiplier = Target
Age 30: 1x salary
Age 40: 3x salary
Age 50: 6x salary
Age 60: 8x salary
Annual Income x Multiplier = Target
Age 30: 1x salary
Age 40: 3x salary
Age 50: 6x salary
Age 60: 8x salary
February 5, 2026 at 2:00 PM
1/4 The simple formula to track retirement progress:
Annual Income x Multiplier = Target
Age 30: 1x salary
Age 40: 3x salary
Age 50: 6x salary
Age 60: 8x salary
Annual Income x Multiplier = Target
Age 30: 1x salary
Age 40: 3x salary
Age 50: 6x salary
Age 60: 8x salary
1/5 $1.1M vs $74K. That's the difference between staying invested vs timing the market over 30 years.
February 4, 2026 at 2:00 PM
1/5 $1.1M vs $74K. That's the difference between staying invested vs timing the market over 30 years.
1/5 Bad credit can cost you over $400,000 in your lifetime. Here's what poor vs good credit actually costs:
February 3, 2026 at 2:00 PM
1/5 Bad credit can cost you over $400,000 in your lifetime. Here's what poor vs good credit actually costs:
We thought it would be helpful to provide folks with a step by step guide on how to activate their license. Particularly those who buy third-party, we wanted to lower the barrier to entry.
https://www.youtube.com/watch?v=AZOXyqdV9c4
#savepoint #savepointfinance #personalfinance #buildinginpublic
https://www.youtube.com/watch?v=AZOXyqdV9c4
#savepoint #savepointfinance #personalfinance #buildinginpublic
February 3, 2026 at 5:58 AM
We thought it would be helpful to provide folks with a step by step guide on how to activate their license. Particularly those who buy third-party, we wanted to lower the barrier to entry.
https://www.youtube.com/watch?v=AZOXyqdV9c4
#savepoint #savepointfinance #personalfinance #buildinginpublic
https://www.youtube.com/watch?v=AZOXyqdV9c4
#savepoint #savepointfinance #personalfinance #buildinginpublic
1/4 The average American household spends $77,280/year. Here's where it actually goes:
February 2, 2026 at 2:00 PM
1/4 The average American household spends $77,280/year. Here's where it actually goes:
We are making a silent update to SavePoint 1.0.2 tonight, giving users the option to forego adding accounts manually. We will formally include this in 1.0.3, but as this only impacts new users, we will be including it to a quick hotfix to the 1.0.2 installer.
February 2, 2026 at 6:16 AM
We are making a silent update to SavePoint 1.0.2 tonight, giving users the option to forego adding accounts manually. We will formally include this in 1.0.3, but as this only impacts new users, we will be including it to a quick hotfix to the 1.0.2 installer.
1/4 96% of your money beliefs were formed by age 12.
Your relationship with money isn't random - it was programmed into you before you could drive.
Your relationship with money isn't random - it was programmed into you before you could drive.
February 1, 2026 at 2:00 PM
1/4 96% of your money beliefs were formed by age 12.
Your relationship with money isn't random - it was programmed into you before you could drive.
Your relationship with money isn't random - it was programmed into you before you could drive.
1/5 Why trying to time the market backfires.
$10,000 invested in the S&P 500 for 20 years (2004-2024):
$10,000 invested in the S&P 500 for 20 years (2004-2024):
January 31, 2026 at 5:00 AM
1/5 Why trying to time the market backfires.
$10,000 invested in the S&P 500 for 20 years (2004-2024):
$10,000 invested in the S&P 500 for 20 years (2004-2024):
Avalanche vs Snowball. Two ways to pay off debt. Which is better?
Snowball: Pay off smallest balance first, regardless of interest rate. Quick wins build momentum, you get a psychological boost from closing accounts, and studies show higher completion rates.
Snowball: Pay off smallest balance first, regardless of interest rate. Quick wins build momentum, you get a psychological boost from closing accounts, and studies show higher completion rates.
January 30, 2026 at 5:00 AM
Avalanche vs Snowball. Two ways to pay off debt. Which is better?
Snowball: Pay off smallest balance first, regardless of interest rate. Quick wins build momentum, you get a psychological boost from closing accounts, and studies show higher completion rates.
Snowball: Pay off smallest balance first, regardless of interest rate. Quick wins build momentum, you get a psychological boost from closing accounts, and studies show higher completion rates.
1/5 3 months or 6 months? The right emergency fund size depends on your situation.
January 30, 2026 at 5:00 AM
1/5 3 months or 6 months? The right emergency fund size depends on your situation.
1/5 Will Social Security run out?
Common myth: "It'll be gone by the time I retire."
Reality: Social Security will NOT disappear.
Common myth: "It'll be gone by the time I retire."
Reality: Social Security will NOT disappear.
January 28, 2026 at 3:00 PM
1/5 Will Social Security run out?
Common myth: "It'll be gone by the time I retire."
Reality: Social Security will NOT disappear.
Common myth: "It'll be gone by the time I retire."
Reality: Social Security will NOT disappear.
1/5 How your mindset shapes your financial decisions.
Scarcity literally changes how your brain works, reducing activity in areas for long-term planning.
Scarcity literally changes how your brain works, reducing activity in areas for long-term planning.
January 27, 2026 at 3:00 PM
1/5 How your mindset shapes your financial decisions.
Scarcity literally changes how your brain works, reducing activity in areas for long-term planning.
Scarcity literally changes how your brain works, reducing activity in areas for long-term planning.
1/5 The true cost of car ownership.
Average annual cost (2025): $11,577. That's $965/month before you drive anywhere.
Average annual cost (2025): $11,577. That's $965/month before you drive anywhere.
January 26, 2026 at 3:00 PM
1/5 The true cost of car ownership.
Average annual cost (2025): $11,577. That's $965/month before you drive anywhere.
Average annual cost (2025): $11,577. That's $965/month before you drive anywhere.
1/5 The free money you might be leaving on the table.
100% instant return on matched 401(k) contributions. 98% of plans offer some employer match.
100% instant return on matched 401(k) contributions. 98% of plans offer some employer match.
January 25, 2026 at 3:00 PM
1/5 The free money you might be leaving on the table.
100% instant return on matched 401(k) contributions. 98% of plans offer some employer match.
100% instant return on matched 401(k) contributions. 98% of plans offer some employer match.
1/5 Why your brain sabotages your portfolio.
Losses hurt 2x as much as equivalent gains feel good. 50% of investors say loss aversion is their top irrational factor.
Losses hurt 2x as much as equivalent gains feel good. 50% of investors say loss aversion is their top irrational factor.
January 24, 2026 at 3:00 PM
1/5 Why your brain sabotages your portfolio.
Losses hurt 2x as much as equivalent gains feel good. 50% of investors say loss aversion is their top irrational factor.
Losses hurt 2x as much as equivalent gains feel good. 50% of investors say loss aversion is their top irrational factor.