Abstract: A computer implemented method for accumulating money using a client device, server, and network can include presenting a user interface, creating a user profile, forming an account for accumulating money linked to another account, enabling the user to input goals, and enabling the user to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the user, an amount of money saved by not purchasing a product or service, an amount of money saved by purchasing a lower priced product or service, or an amount of money associated with a non-monetary goal. The computer implemented method can include transmitting prompts to the client device with suggestions on how to save money, determining a progress towards the goals, displaying the progress, and displaying an updated monetary amount to be accumulated.