A financial goals app to save, budget and get out of debt
Bemelio is a free app where you set a money goal, break it into steps and track your progress, one update at a time. Save for something that matters, stick to a budget, pay off a loan or learn to invest. Keep it private or move forward with people aiming in the same direction.
How does a financial goals app help you reach your money goals?
Bemelio is a free mobile app, a social network built around personal goals. For money, you choose the Finance & Wealth category, then a subcategory that fits what you want. The app suggests example goals to help you get started. You give your goal a title in your own words and decide whether it is public or private.
From there, your goal becomes the place where you record every step forward. You break it into steps, post updates as you go and use the tracking tools that come with your subcategory. Bemelio does not tell you what to do with your money and does not give financial advice. It helps you set a clear goal, see where you stand and keep going.
- Savings and emergency funds
- Budgeting and spending
- Paying off debt
- Investing, real estate and retirement
- Side income and financial education
How do you track your financial progress?
Start with steps. A big goal like becoming debt free feels lighter when it is split into smaller actions you can tick off: list every debt, set a monthly amount, close the first card. Each ticked step shows you that the goal is moving, even when the finish line still looks far away.
Then post updates. Each time you make progress, you add an update to your goal with text, a photo or a video. A paid-off loan, a month on budget, a first investment. Together, your updates tell the story of your progress from start to finish, and you can scroll back through them whenever motivation dips.
Depending on your subcategory, your goal also comes with built-in tracking tools. The savings tool follows your progress toward a target amount with a chart. If you publish it as an update, only the percentage reached is shown, never the amount. Your numbers stay yours.
Why work toward money goals with other people?
Money is often a private topic, and that is fine. On Bemelio, you choose what you share. If you make your goal public, the people who follow you see your updates in their feed. They can react and comment, and you can do the same on theirs. Seeing others save, budget or learn about investing makes your own goal feel less lonely.
Circles bring together people heading in the same direction, such as those paying off debt or building their first savings. Messaging lets you talk privately with someone. You can also share a goal with another person, who becomes its co-author: handy when you save for a home with a partner or plan a budget as a household.
When you are proud of a step, you can turn an update into a visual to share in your story, on Instagram for example, with a link to your Bemelio profile. And if you would rather keep everything to yourself, a private goal works just as well.
A simple method to stick with your financial goal
Pick one clear goal rather than five vague ones. Save for a specific project, pay off one specific loan, track your spending for a set period. Then break it into steps small enough to act on this week. A goal you can picture is easier to start, and a first small step is easier to take than a giant leap.
Regularity matters more than big gestures. A small amount set aside on a fixed day, a weekly look at your spending, a few pages of a finance book each evening. Check your progress at regular times, note what worked and adjust what did not. Your updates become a useful record of how far you have come.
Bemelio helps you organise and follow your goal, but the results depend on your situation and your choices. For decisions about investing, taxes, loans or retirement, a qualified financial professional is the right person to ask.
- One clear goal at a time
- Steps you can do this week
- A regular rhythm, not a perfect one
- Check your progress and adjust
- Ask a professional for financial advice
Examples of financial goals you can set
The app suggests goals in each subcategory, and you can write your own in your own words.
- Build an emergency fund
- Save 20% of my salary each month
- Stay within my monthly budget
- Track all my spending for 90 days
- Pay off my student loan
- Become debt free
- Save a deposit for my first home
- Read 5 books about personal finance
Tools to track your money goals
Depending on the subcategory you choose, your goal comes with tools that help you see your progress clearly.
Savings
Follow your savings toward a target amount with a chart. When you publish it as an update, only the percentage reached is shown, never the amount.
Streak
Tick each day you moved forward, like sticking to your budget, and watch your streak grow.
Income
Log your income by source. Useful when you build a side income or want a clear view of where your money comes from.
Reading
Keep track of the finance books you have read and want to read, and the pages you get through.
Steps
Split your goal into steps to tick off, so a big target turns into actions you can take now.
Co-goal
Share a goal with another person, who becomes its co-author, to save or budget together.
Get started in 3 steps
Download the app
Install Bemelio for free on iPhone from the App Store or on Android from Google Play.
Create your goal
Choose Finance & Wealth, pick a subcategory, give your goal a title and decide if it is public or private.
Post your first update
Share where you are starting from with text, a photo or a video, and your progress story begins.
Frequently asked questions
Is Bemelio free?
Yes. Bemelio is free to download and free to use, on iPhone through the App Store and on Android through Google Play. You can create your financial goals, break them into steps, post updates and use the tracking tools available in your subcategory.
Is my goal visible to everyone?
Only if you want it to be. When you create a goal, you choose whether it is public or private. A private goal stays with you. A public goal can be seen by others, and its updates appear in the feed of the people who follow you.
Will other people see how much money I have saved?
No amount is shown when you publish your savings progress. If you post the savings tool as an update, only the percentage reached toward your target appears, never the amount itself. You can also keep the whole goal private if you prefer.
Does Bemelio connect to my bank account?
No. Bemelio does not link to your bank. You enter your own figures in the tracking tools, such as your savings or your income by source, and you decide what you write in your updates.
Does Bemelio give financial advice?
No. Bemelio helps you set a money goal, follow your progress and move forward with others, but it does not recommend investments or tell you how to manage your money. For advice on investing, taxes, loans or retirement, talk to a qualified financial professional.
Can I share a savings goal with my partner?
Yes. A goal can be shared with another person, who becomes its co-author. It works well for saving for a home together, planning a household budget or paying off a shared loan, with both of you following the same progress.
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