Systems and methods that facilitate user savings through a graphical user interface (GUI) are described. A savings account for a desired item is created based on input received from a user through the GUI. After a purchase, the user can add a percentage of the purchase or a set amount to the savings account. The price of the desired item is monitored, and the user is informed of price reductions and other incentives on the desired item. Users can be offered credit at various times, such as when the user is not on track to meet a savings goal or a low price for the desired item is being offered for a limited time.