How to track all your savings in one place
A practical UK guide to seeing every savings account, ISA and Premium Bond in one view, so you always know your true total and never lose track of a pot.
To track all your savings in one place, list every account, ISA, Premium Bond and pot you hold, record the balance of each, and keep them together in one running total that you update on a set day each month.
Why scattered savings are a problem
Most people do not have one savings account. They have a current account buffer, an easy-access pot, maybe a Cash ISA from a few years back, some Premium Bonds, and a joint account for household bills. Money ends up spread across apps and banks.
The result is that no one actually knows their total. It is easy to forget an old account, miss that a fixed-rate bond has matured onto a poor rate, or think you have less saved than you really do. Pulling everything into one view fixes all of that.
Step 1: find every pot
Start by writing down every place you keep money. Do not rely on memory alone — check your banking apps, old emails and paperwork. Look for:
- Current accounts and their balances
- Easy-access and regular savings accounts
- Fixed-rate bonds, and when they mature
- Cash ISAs, Stocks and Shares ISAs and Lifetime ISAs
- Premium Bonds and other NS&I products
- Savings pots inside app-based banks
- Joint accounts
Old, forgotten accounts are the ones that matter most to find — they are often the ones on the worst rates.
Step 2: record the details that matter
For each pot, note more than just the balance. A few extra details turn a list into something useful:
| Detail | Why it helps |
|---|---|
| Provider and account name | Tells you which banking licence it sits under |
| Balance | The core figure for your total |
| Interest rate | Spots pots quietly earning nothing |
| Maturity or bonus date | Stops fixed bonds rolling onto a bad rate |
| What it is for | Links each pot to a goal |
The provider matters more than people think. If several accounts share one banking licence, they share one FSCS limit — something to watch if your total is large. See are your savings over the FSCS limit.
Step 3: put them in one running total
Now bring the balances together into a single figure. This is the number that actually answers how much have I saved.
A spreadsheet is the free starting point. It works, but it has three weaknesses: you have to update every cell by hand, a missed month breaks the trend, and it will not remind you when a rate is about to drop.
A dedicated tracker like Oinkly keeps every account in one place and shows the total updating over time. You add your accounts once, then keep the balances current. Savings accounts, ISAs and Premium Bonds can all sit side by side. Learn more about tracking in Oinkly.
Step 4: keep it current without the faff
A tracker is only useful if it stays up to date. The trick is to make updating it a small, fixed habit rather than a big occasional chore.
- Pick a day. Payday is ideal — you are already looking at your money.
- Update balances, not everything. A quick tidy each month beats a full rebuild twice a year.
- Flag maturity dates. Note when bonds and bonus rates end so you can move the money before it stagnates.
- Use goals or pots. Splitting savings by purpose makes the total feel real — see savings pots and sinking funds.
Once it is a habit, you always know your true total, you catch rubbish rates early, and no pot ever gets forgotten again. The savings goal calculator can help you set targets for each one.
Spreadsheet or app: how to choose
Both can work. The right pick depends on how much upkeep you are willing to do and what you want back from it.
| Spreadsheet | Dedicated tracker | |
|---|---|---|
| Cost | Free | Paid, with a free trial |
| Updating | Every cell by hand | Update balances in one place |
| Trend over time | You build it yourself | Charted for you |
| Missed month | Breaks the line | Picks up where you left off |
| Goals and pots | Manual formulas | Built in |
If you enjoy spreadsheets and only have two or three accounts, a simple sheet is fine. If your money is spread across several banks, ISAs and Premium Bonds, an app that keeps it together saves the faff and shows the trend without extra work.
The mistakes that undo good tracking
Even people who start well can slip. Watch for these:
- Only tracking the big account. The small forgotten pots are exactly the ones on poor rates, so leave nothing out.
- Ignoring maturity dates. A fixed bond that matures onto a default rate can lose you real money quietly. Note every end date.
- Mixing spending money with savings. Keep your day-to-day buffer separate so your savings total means something.
- Never reviewing rates. Tracking is not just watching — use it to spot accounts worth moving.
Good tracking is not about perfection. It is about a clear total you trust and check often enough to act on.
Frequently asked questions
What is the best way to track all my savings?
List every account, ISA and Premium Bond, record each balance and rate, and keep them in one running total that you update on a set day each month. A dedicated tracker like Oinkly does this without the manual upkeep of a spreadsheet.
Can I track savings and Premium Bonds together?
Yes. Oinkly lets you keep savings accounts, ISAs and Premium Bonds side by side, so your total reflects everything you hold rather than just one type of account.
Is a spreadsheet good enough for tracking savings?
It can work, but you have to update every figure by hand, a missed month breaks the trend, and it will not warn you when a rate is about to drop. A tracker built for the job removes that friction.
How often should I update my savings tracker?
Once a month is plenty for most people. Pick a fixed day, such as payday, refresh the balances, and note any accounts due to mature so you can act before the rate falls.
Why should I track savings in one place?
Because scattered accounts hide your true total, let old pots sit on poor rates, and make it easy to forget money entirely. One view fixes all three and shows your progress over time.