Five steps, in order

How Hill Wallet works

The cut below is the example plan: the cushion at the bottom, forty monthly milestones above it and the projected date on top.

Cushion, $7,800
Forty monthly milestones of $900
Goal date, August 2029
Milestone 7 of 40 reached
Milestone 8, $820 to go
The path, a projection from example numbers

Projection from example numbers.

Use the Free plan, $0

Step 1

Enter your numbers

Your target home price, down payment percent, closing costs (a percent or dollars, since they depend on your home and area), move in costs and monthly expenses. The tiles below are the example plan.

Home price$260,000

Down payment10 percent ($26,000)

Closing costs3 percent ($7,800)

Move in costs$2,200

Monthly expenses$2,600

Cushion months3 months

Result cardYour total: $36,000. Cushion: $7,800. 40 milestones of $900.

A phone showing the climb setup form with a $260,000 home price, 10 percent down, 3 percent closing costs, $2,200 move in costs, $2,600 monthly expenses and three base camp months, and a result card reading Your summit $36,000. — The setup screen. Example plan.

Step 2

Fill the emergency cushion first

Your first deposits go to a cushion of one to six months of expenses (base camp in the app), $7,800 on the example plan. If a $650 repair comes out of it, your house savings stay put and your next deposits refill it first.

A phone showing a full base camp gauge reading $7,800 of $7,800, covering three months of $2,600 expenses, stocked since December 2025, with a Log a draw button. — Full. Example plan.

$7,800 of $7,800. Covers 3 months of your $2,600 monthly expenses. Stocked since December 2025.$7,150 of $7,800. Refill $650 and your next deposits go here first.

A small olive green tent pitched at the edge of a green meadow with a folded chair and a rucksack beside it

Pick one to six months. Change it any time.

A phone showing the base camp gauge at $7,150 of $7,800 with the note to refill $650 before the next switchback. — After a $650 draw. Example plan.

Step 3

Save toward equal monthly milestones

Hill Wallet splits your total into equal milestones, about one a month at your pace. The app calls them switchbacks. At $900 each, the eighth is reached at $7,200 and the fortieth at $36,000. The list shows when you reached past ones and what's left on the current one.

7 of 40 reached

Milestone 7, September 2026
Milestone 8, $820 to go
Milestone 9, $8,100
Milestone 10, $9,000
Milestone 11, $9,900
Milestone 12, $10,800

The number of milestones depends on your total and your monthly amount.

A phone showing a list of forty switchbacks, seven checked with their months, switchback 8 highlighted with $820 to go, and the rest showing their totals. — The milestone list. Example plan.

Step 4

Log each deposit

Move the money yourself, then open Log and type the amount, date and an optional note, in about ten seconds. Hill Wallet marks any milestone you've reached and updates your date. It never sees your bank.

A phone showing the Log a deposit form with $850, September 22, 2026 and the note Paycheck transfer. — Entry: $850, September 22, 2026, Paycheck transfer, logged by Jordan.

One deposit, start to finish. Example plan.

Logged. Milestone 7 of 40 reached. Date moved up to August 2029.

Example plan.

Two mugs of coffee, a phone with a dark screen and a notebook on a plain wooden kitchen table in morning light

A phone showing the message Logged, switchback 7 of 40 cleared, summit moved up to August 2029. — Saved. Example plan.

Step 5

Watch your projected date

The date is what's left divided by your average over the last three months, so one big deposit nudges it instead of jumping it. Save less and it moves later; save more and it moves up.

$29,620 left at $850 a month is 35 months, August 2029. Projection from example numbers.

A phone showing the Hill Wallet climb screen: Summit August 2029 in large type, a climb line with forty switchback marks and seven cleared, $6,380 of $36,000 toward the summit, base camp stocked at $7,800, and $820 to go to switchback 8. — The main screen. Example plan.

A phone showing the September pace check: a three month pace of $850, $847 needed to hold August 2029, and the line On track. — A pace check. Example plan.

What does Hill Wallet never see?

Your bank login

There's nothing to link and nothing to revoke later.

Your account numbers

We don't ask for them, so we can't store them.

Your money

It stays wherever you keep it.

Your credit

No credit checks or rate quotes. It is a planner, not a lender.

Which home you should buy

The choice stays yours.

A mown path curving up a slope of green and gold grass toward a rounded crest under a clear sky

Free covers all five steps

For one person, at $0. Plus, at $6 a month or $54 a year, adds a partner, what if plans, pace checks and a printable history.

Use the Free plan, $0 Buy Plus, $6 a month Buy Plus, $54 a year

Or try the planner first

Join Our SMS List

Climb Alerts are account notices, never ads. A reminder on the day you pick, a note when a switchback clears, your sign in code, a renewal notice. Nothing else, ever.

Your phone number is never sold, rented or shared for marketing. It is used only to send the Hill Wallet Climb Alerts you asked for.

A phone lock screen showing two text notifications from Hill Wallet: one saying $850 was logged and switchback 7 of 40 cleared, one reminding the member to log this month's deposit. — Two Climb Alerts on the example climb.