Ten named ladders
A tracker alone is a spreadsheet. A ladder turns it into a reason to come back — rungs, a target, and a projected date that moves every time you log.
First Home
Saving for your first deposit, turned into rungs with a projected completion date — the feature the whole product is named after.
Rungs: 8
Debt-Free
Every debt you're carrying, ordered by snowball or avalanche, each one its own rung, down to £0.
Rungs: 4
Emergency Fund
The buffer that makes everything else possible — from a £500 cushion to a full six months of expenses.
Rungs: 4
FIRE
Financial Independence, Retire Early — from Coast FI to Fat FI, tracked against your own portfolio and spend.
Rungs: 5
Retirement
Your on-track retirement age, moving as your pension pot and contributions grow — 68, 65, 62, or 60.
Rungs: 4
Mortgage-Free
Loan-to-value, ticking down from three-quarters of your home's value to none of it.
Rungs: 5
Healthy Weight
Every 5% of body weight is a rung, working toward a healthy BMI band — never a single all-or-nothing target.
Rungs: 4
Couch-to-Marathon
From your first minute of running to a marathon finish, with a parkrun age-graded percentage the whole way.
Rungs: 5
Quit
The NHS's own recovery timeline for quitting smoking, vaping, alcohol or gambling — turned into rungs, plus the money you're saving.
Rungs: 6
Driving Licence
From provisional licence to a full pass, with DVSA pass-rate data for your test centre along the way.
Rungs: 5