If your income isn't regular, there's no need to worry! Our AI algorithm will determine just how much you can afford to save, so you don’t have to.

If you’re still feeling uncertain, we have a number of settings that put you in control. You can adjust or cancel saves on the day they generate before 3pm, pause savings for up to 3 months, or set a minimum bank balance so Chip won't save if your balance in below this amount. You can find all these under the 'Auto-save settings' section of the Savings Plan area in your Profile tab.