Abstract: A computer implemented system and method for a user to save for an item or group of items to be purchased later, comprising: accessing, by a user, an electronic hardware interface that includes software for creating, managing, and adhering to a savings plan to later purchase one or more items offered for sale by a retail store, to create the savings plan for the one or more items selected by the user; customizing, by the user, the savings plan by the user specifying the amount, duration, and payment interval for later being able to purchase the one or more items, and the user associating payment information of the user; activating and operating the savings plan, by the user, by making scheduled payments according to the savings plan; and completing, by the user, the savings plan, resulting in the one or more items being purchased by the user.