Abstract: The invention provides computer-implemented behavioral science systems and methods for creating, managing, tracking, incentivizing, and/or reaching one or more financial health goals. The invention may include a software application supported by one or more computing devices that enables a website or other user interfaces that facilitate, inter alia, creation of financial goals, monitoring of financial goals, updating created goals for specific individuals using complex behavior modeling, and incentive structures based on behavioral science tailored and individualized for participants.