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The 365-day penny challenge
See the full commitment, use the daily tracker and adapt the challenge to your cash flow.
Try it here
Small beginnings. See the full commitment.
Save 1p on day one, 2p on day two and one penny more each day. Check the later amounts before choosing a challenge length.
Showing a fictional example. Replace the numbers with your own.
These figures stay in this page. Download them before leaving.
Make it useful in real life.
- 01
Choose a length you can manage; 365 days is optional.
- 02
Download the daily tracker and tick off money you actually set aside.
- 03
Use the monthly totals to plan ahead. Pause or adapt the challenge if essentials need the money.
How this tool works
- Total = days × (days + 1) ÷ 200 pounds. The last day's contribution is days ÷ 100 pounds.
- The standard 365-day challenge totals £667.95; day 365 costs £3.65. The final 31 days require £108.50.
- No interest is assumed. Contributions are manual, and missed days are not automatically made up.