Round-ups sound too small to matter: forty cents here, a dollar ten there. We looked at a year of anonymised data from Kioro members to see what they actually add up to.

The numbers

The median member saved $38 a month from round-ups alone, about $456 a year, without changing a single habit. Members who doubled their round-ups saved closer to $900.

Why it works

It is not the amount, it is the friction. Round-ups happen every time you pay, so saving becomes a side effect of living rather than a decision you have to make.

Make it count

Point your round-ups at one named goal. A jar called “Lisbon in spring” fills faster than one called “Savings”.