Early withdrawal? That costs 10% of your deposit — by design. The fee is the point.
early withdrawal fee
Not a suggestion. Not a soft nudge. A real financial consequence that makes your future goals untouchable.
A savings account that fights back.
BoltSave is a commitment savings app for people who know they will raid their savings if they can. You lock deposits until a date you choose. Before that date: you cannot touch them without paying a 10% fee that actually stings.
You pick the lock date
Name your goal, set your maturity date, make your deposit. BoltSave locks it there until you say it is ready.
Multiple vaults, one goal at a time
Emergency fund. Vacation. Down payment. Each vault locks independently so your goals stay separated and serious.
Full transparency, always
The fee is never hidden. Every screen shows exactly what an early withdrawal would cost — before you can confirm it.
The mechanics
Three steps. No escape hatch.
Name your vault. Set your date.
Give your savings goal a name — something specific enough to hurt when you almost break it. Then pick the date when the lock releases. That date is a contract with yourself.
Deposit. It locks immediately.
Transfer your funds into the vault. The moment they land, they are locked. You can watch the progress ring tick toward your date — but you cannot move the money without paying the price.
Maturity date arrives. Vault unlocks.
On the date you set, your vault opens — no fee, no friction, no form to fill out. You kept the commitment. You get the full amount. Your future self wins.
Willpower alone has a 100% failure rate against impulse.
Every competitor in this space builds for friction-free access. Easy in, easy out. Soft push notifications that you ignore. BoltSave is built on a different idea: the consequence is the product.
The difference
Every other savings app
- Gentle "are you sure?" prompts
- Instant, fee-free withdrawal
- Treats you like someone who needs encouragement
BoltSave
- A 10% fee that makes you pause — and stay put
- Hard lock until your chosen maturity date
- Treats you like someone serious about their goals
The deal
One app. One mechanic. Fully committed.
Common questions
What happens when my vault matures?
On your maturity date, your vault unlocks automatically. Your full balance is available to withdraw or roll into a new vault — no forms, no waiting period.
What exactly is the 10% early withdrawal fee?
If you withdraw before your vault's maturity date, BoltSave charges 10% of the deposited amount. The fee is shown clearly before you confirm anything — there are no surprises, just real consequences.
Can I have multiple vaults open at once?
Yes. Each vault is independent — a separate goal, a separate lock date, a separate balance. Lock your emergency fund separately from your vacation fund so one decision never affects the other.
Can I add more money to a vault after locking it?
Yes. You can make additional deposits into an active vault. Each deposit is recorded, and the entire vault balance unlocks on the maturity date you set.
Your future self already knows what to do.
Lock in what you're saving for — before the impulse to spend it wins. The commitment starts the moment you create your first vault.