Free tool
Name every person on your list, put a number next to them, and fill the thermometer before the season starts. January-you says thanks.
Gifts: $0
0%
funded
A gift list with a budget line per person and a big color-in thermometer for the fund. Fully funded by October is the whole game.
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Aiming to have the fund full by Halloween means you shop early sales instead of panic-buying in December, and January arrives without a credit card hangover. Start in January and even a $600 season costs about $60 a month — the classic sinking-fund move.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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