For a number in your future
Not 'spend less'. €10,000 by next summer.
A number with a date, and every week you see whether you're on it.
Vague thrift doesn't survive a sale. A number with a date does. Committo plots the pace line from what you've saved to what you're aiming at — and tells you every week whether you're on it.
- €150 set aside: Logged this week: €1,300 of €2,500.
- The forecast moves up: With the new amount, the projected finish moves nine days earlier.
- A zero week: Week 4 stayed at zero. The line goes flat; it doesn't break.
- Your coach notices: It shows you a buffer week breaks nothing.
A pace line for your money
Committo turns the big number into a weekly pace. Log what you put aside, watch the line climb, and see early when a slow month needs catching up — while there's still time.
You say
“I want to save €10,000”
Committo builds
Finance
Save €10,000
Choose your target
Reach €6,000
EasierReach €8,500
RecommendedReach €10,000
ChallengeThe evidence behind this
We grade what we lean on, and we show the grade. A is settled science; B is real but modest or genuinely contested — we say so rather than quietly leaving it out.
A cushion you can reach tomorrow predicts life satisfaction over and above assets and spending — and on the dark side, consumer debt is one of the most reliable financial correlates of depression and mental distress. The buffer is the commitment; what you invest beyond it is a different conversation.
B+Sources and the caveat
Sources
- Ruberton, Gladstone & Lyubomirsky 2016, Emotion 16(5) · doi:10.1037/emo0000184
- Richardson, Elliott & Roberts 2013, Clinical Psychology Review 33(8) · doi:10.1016/j.cpr.2013.08.009
The caveat
The buffer study is a single small field study (suggestive, not settled); the debt literature is cross-sectional-dominated and causation runs both ways — distress also produces debt.
Money buys happiness mostly by removing misery — an extra euro matters most when money is tight. The famous "$75k plateau" was settled by an adversarial collaboration between the rival researchers: for most people, wellbeing keeps rising gently with each doubling of income; only for the unhappiest fifth does it flatten, around $100k.
A-Sources and the caveat
Sources
- Kahneman & Deaton 2010, PNAS 107(38) · doi:10.1073/pnas.1011492107
- Killingsworth 2021, PNAS 118(4) · doi:10.1073/pnas.2016976118
- Killingsworth, Kahneman & Mellers 2023, PNAS 120(10) · doi:10.1073/pnas.2208661120
The caveat
US samples dominate; post-publication letters contest causal interpretation. "Log-linear" is doing quiet work — per-euro returns genuinely diminish even though there is no hard ceiling.
Commit to the number
Tell Committo the amount and your starting point. It builds the pace plan in seconds — free.