diff --git a/packages/backend/app/db/schema.sql b/packages/backend/app/db/schema.sql
index 410189de..04fa413b 100644
--- a/packages/backend/app/db/schema.sql
+++ b/packages/backend/app/db/schema.sql
@@ -123,3 +123,21 @@ CREATE TABLE IF NOT EXISTS audit_logs (
   action VARCHAR(100) NOT NULL,
   created_at TIMESTAMP NOT NULL DEFAULT NOW()
 );
+
+DO $$ BEGIN
+  CREATE TYPE savings_goal_status AS ENUM ('ACTIVE','COMPLETED','PAUSED');
+EXCEPTION
+  WHEN duplicate_object THEN NULL;
+END $$;
+
+CREATE TABLE IF NOT EXISTS savings_goals (
+  id SERIAL PRIMARY KEY,
+  user_id INT NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+  name VARCHAR(200) NOT NULL,
+  target_amount NUMERIC(12,2) NOT NULL,
+  current_amount NUMERIC(12,2) NOT NULL DEFAULT 0,
+  deadline DATE,
+  status VARCHAR(20) NOT NULL DEFAULT 'ACTIVE',
+  created_at TIMESTAMP NOT NULL DEFAULT NOW()
+);
+CREATE INDEX IF NOT EXISTS idx_savings_goals_user ON savings_goals(user_id, created_at DESC);
diff --git a/packages/backend/app/models.py b/packages/backend/app/models.py
index 64d44810..c613636e 100644
--- a/packages/backend/app/models.py
+++ b/packages/backend/app/models.py
@@ -133,3 +133,23 @@ class AuditLog(db.Model):
     user_id = db.Column(db.Integer, db.ForeignKey("users.id"), nullable=True)
     action = db.Column(db.String(100), nullable=False)
     created_at = db.Column(db.DateTime, default=datetime.utcnow, nullable=False)
+
+
+class SavingsGoalStatus(str, Enum):
+    ACTIVE = "ACTIVE"
+    COMPLETED = "COMPLETED"
+    PAUSED = "PAUSED"
+
+
+class SavingsGoal(db.Model):
+    __tablename__ = "savings_goals"
+    id = db.Column(db.Integer, primary_key=True)
+    user_id = db.Column(db.Integer, db.ForeignKey("users.id"), nullable=False)
+    name = db.Column(db.String(200), nullable=False)
+    target_amount = db.Column(db.Numeric(12, 2), nullable=False)
+    current_amount = db.Column(db.Numeric(12, 2), nullable=False, default=0)
+    deadline = db.Column(db.Date, nullable=True)
+    status = db.Column(
+        db.String(20), default=SavingsGoalStatus.ACTIVE.value, nullable=False
+    )
+    created_at = db.Column(db.DateTime, default=datetime.utcnow, nullable=False)
diff --git a/packages/backend/app/routes/__init__.py b/packages/backend/app/routes/__init__.py
index f13b0f89..f03a3c32 100644
--- a/packages/backend/app/routes/__init__.py
+++ b/packages/backend/app/routes/__init__.py
@@ -7,6 +7,7 @@
 from .categories import bp as categories_bp
 from .docs import bp as docs_bp
 from .dashboard import bp as dashboard_bp
+from .savings import bp as savings_bp
 
 
 def register_routes(app: Flask):
@@ -18,3 +19,4 @@ def register_routes(app: Flask):
     app.register_blueprint(categories_bp, url_prefix="/categories")
     app.register_blueprint(docs_bp, url_prefix="/docs")
     app.register_blueprint(dashboard_bp, url_prefix="/dashboard")
+    app.register_blueprint(savings_bp, url_prefix="/savings/goals")
diff --git a/packages/backend/app/routes/savings.py b/packages/backend/app/routes/savings.py
new file mode 100644
index 00000000..cab54171
--- /dev/null
+++ b/packages/backend/app/routes/savings.py
@@ -0,0 +1,163 @@
+from datetime import date
+from flask import Blueprint, jsonify, request
+from flask_jwt_extended import jwt_required, get_jwt_identity
+from ..extensions import db
+from ..models import SavingsGoal, SavingsGoalStatus
+import logging
+
+bp = Blueprint("savings", __name__)
+logger = logging.getLogger("finmind.savings")
+
+
+def _goal_to_dict(g: SavingsGoal) -> dict:
+    target = float(g.target_amount)
+    current = float(g.current_amount)
+    progress_pct = round((current / target * 100), 2) if target > 0 else 0.0
+    return {
+        "id": g.id,
+        "name": g.name,
+        "target_amount": target,
+        "current_amount": current,
+        "progress_pct": progress_pct,
+        "deadline": g.deadline.isoformat() if g.deadline else None,
+        "status": g.status,
+        "created_at": g.created_at.isoformat(),
+    }
+
+
+@bp.get("")
+@jwt_required()
+def list_goals():
+    uid = int(get_jwt_identity())
+    goals = (
+        db.session.query(SavingsGoal)
+        .filter_by(user_id=uid)
+        .order_by(SavingsGoal.created_at.desc())
+        .all()
+    )
+    logger.info("List savings goals user=%s count=%s", uid, len(goals))
+    return jsonify([_goal_to_dict(g) for g in goals])
+
+
+@bp.post("")
+@jwt_required()
+def create_goal():
+    uid = int(get_jwt_identity())
+    data = request.get_json() or {}
+    if not data.get("name") or data.get("target_amount") is None:
+        return jsonify(error="name and target_amount are required"), 400
+    try:
+        target = float(data["target_amount"])
+        if target <= 0:
+            raise ValueError("target_amount must be positive")
+    except (ValueError, TypeError) as e:
+        return jsonify(error=str(e)), 400
+
+    deadline = None
+    if data.get("deadline"):
+        try:
+            deadline = date.fromisoformat(data["deadline"])
+        except ValueError:
+            return jsonify(error="deadline must be ISO date (YYYY-MM-DD)"), 400
+
+    goal = SavingsGoal(
+        user_id=uid,
+        name=data["name"],
+        target_amount=target,
+        current_amount=float(data.get("current_amount", 0)),
+        deadline=deadline,
+        status=SavingsGoalStatus.ACTIVE.value,
+    )
+    db.session.add(goal)
+    db.session.commit()
+    logger.info("Created savings goal id=%s user=%s name=%s", goal.id, uid, goal.name)
+    return jsonify(_goal_to_dict(goal)), 201
+
+
+@bp.get("/<int:goal_id>")
+@jwt_required()
+def get_goal(goal_id: int):
+    uid = int(get_jwt_identity())
+    goal = db.session.get(SavingsGoal, goal_id)
+    if not goal or goal.user_id != uid:
+        return jsonify(error="not found"), 404
+    return jsonify(_goal_to_dict(goal))
+
+
+@bp.put("/<int:goal_id>")
+@jwt_required()
+def update_goal(goal_id: int):
+    uid = int(get_jwt_identity())
+    goal = db.session.get(SavingsGoal, goal_id)
+    if not goal or goal.user_id != uid:
+        return jsonify(error="not found"), 404
+    data = request.get_json() or {}
+    if "name" in data:
+        goal.name = data["name"]
+    if "target_amount" in data:
+        try:
+            val = float(data["target_amount"])
+            if val <= 0:
+                raise ValueError("target_amount must be positive")
+            goal.target_amount = val
+        except (ValueError, TypeError) as e:
+            return jsonify(error=str(e)), 400
+    if "deadline" in data:
+        if data["deadline"] is None:
+            goal.deadline = None
+        else:
+            try:
+                goal.deadline = date.fromisoformat(data["deadline"])
+            except ValueError:
+                return jsonify(error="deadline must be ISO date (YYYY-MM-DD)"), 400
+    if "status" in data:
+        try:
+            goal.status = SavingsGoalStatus(data["status"]).value
+        except ValueError:
+            return jsonify(error=f"invalid status: {data['status']}"), 400
+    db.session.commit()
+    logger.info("Updated savings goal id=%s user=%s", goal.id, uid)
+    return jsonify(_goal_to_dict(goal))
+
+
+@bp.delete("/<int:goal_id>")
+@jwt_required()
+def delete_goal(goal_id: int):
+    uid = int(get_jwt_identity())
+    goal = db.session.get(SavingsGoal, goal_id)
+    if not goal or goal.user_id != uid:
+        return jsonify(error="not found"), 404
+    db.session.delete(goal)
+    db.session.commit()
+    logger.info("Deleted savings goal id=%s user=%s", goal_id, uid)
+    return jsonify(message="deleted")
+
+
+@bp.post("/<int:goal_id>/contribute")
+@jwt_required()
+def contribute(goal_id: int):
+    uid = int(get_jwt_identity())
+    goal = db.session.get(SavingsGoal, goal_id)
+    if not goal or goal.user_id != uid:
+        return jsonify(error="not found"), 404
+    data = request.get_json() or {}
+    try:
+        amount = float(data.get("amount", 0))
+        if amount <= 0:
+            raise ValueError("amount must be positive")
+    except (ValueError, TypeError) as e:
+        return jsonify(error=str(e)), 400
+
+    goal.current_amount = float(goal.current_amount) + amount
+    # Auto-complete if target reached
+    if float(goal.current_amount) >= float(goal.target_amount):
+        goal.status = SavingsGoalStatus.COMPLETED.value
+    db.session.commit()
+    logger.info(
+        "Contribution to goal id=%s user=%s amount=%s new_total=%s",
+        goal.id,
+        uid,
+        amount,
+        goal.current_amount,
+    )
+    return jsonify(_goal_to_dict(goal))
diff --git a/packages/backend/tests/test_savings.py b/packages/backend/tests/test_savings.py
new file mode 100644
index 00000000..690037e8
--- /dev/null
+++ b/packages/backend/tests/test_savings.py
@@ -0,0 +1,247 @@
+from datetime import date, timedelta
+
+
+def test_savings_goals_initially_empty(client, auth_header):
+    r = client.get("/savings/goals", headers=auth_header)
+    assert r.status_code == 200
+    assert r.get_json() == []
+
+
+def test_create_savings_goal(client, auth_header):
+    payload = {
+        "name": "Emergency Fund",
+        "target_amount": 10000.00,
+        "deadline": (date.today() + timedelta(days=365)).isoformat(),
+    }
+    r = client.post("/savings/goals", json=payload, headers=auth_header)
+    assert r.status_code == 201
+    data = r.get_json()
+    assert data["id"] is not None
+    assert data["name"] == "Emergency Fund"
+    assert data["target_amount"] == 10000.0
+    assert data["current_amount"] == 0.0
+    assert data["progress_pct"] == 0.0
+    assert data["status"] == "ACTIVE"
+    assert data["deadline"] is not None
+
+
+def test_create_savings_goal_no_deadline(client, auth_header):
+    payload = {"name": "Vacation", "target_amount": 5000.0}
+    r = client.post("/savings/goals", json=payload, headers=auth_header)
+    assert r.status_code == 201
+    data = r.get_json()
+    assert data["deadline"] is None
+
+
+def test_create_savings_goal_missing_fields(client, auth_header):
+    r = client.post("/savings/goals", json={"name": "Test"}, headers=auth_header)
+    assert r.status_code == 400
+
+    r = client.post("/savings/goals", json={"target_amount": 100}, headers=auth_header)
+    assert r.status_code == 400
+
+
+def test_list_savings_goals(client, auth_header):
+    client.post(
+        "/savings/goals",
+        json={"name": "Goal A", "target_amount": 1000},
+        headers=auth_header,
+    )
+    client.post(
+        "/savings/goals",
+        json={"name": "Goal B", "target_amount": 2000},
+        headers=auth_header,
+    )
+    r = client.get("/savings/goals", headers=auth_header)
+    assert r.status_code == 200
+    items = r.get_json()
+    assert len(items) == 2
+    names = {i["name"] for i in items}
+    assert "Goal A" in names
+    assert "Goal B" in names
+
+
+def test_get_savings_goal(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "House", "target_amount": 50000},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    r = client.get(f"/savings/goals/{goal_id}", headers=auth_header)
+    assert r.status_code == 200
+    assert r.get_json()["name"] == "House"
+
+
+def test_get_savings_goal_not_found(client, auth_header):
+    r = client.get("/savings/goals/99999", headers=auth_header)
+    assert r.status_code == 404
+
+
+def test_update_savings_goal(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "Old Name", "target_amount": 1000},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    r = client.put(
+        f"/savings/goals/{goal_id}",
+        json={"name": "New Name", "target_amount": 2000},
+        headers=auth_header,
+    )
+    assert r.status_code == 200
+    data = r.get_json()
+    assert data["name"] == "New Name"
+    assert data["target_amount"] == 2000.0
+
+
+def test_update_savings_goal_status(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "Goal", "target_amount": 1000},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    r = client.put(
+        f"/savings/goals/{goal_id}", json={"status": "PAUSED"}, headers=auth_header
+    )
+    assert r.status_code == 200
+    assert r.get_json()["status"] == "PAUSED"
+
+
+def test_delete_savings_goal(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "To Delete", "target_amount": 500},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    r = client.delete(f"/savings/goals/{goal_id}", headers=auth_header)
+    assert r.status_code == 200
+    assert r.get_json()["message"] == "deleted"
+
+    r = client.get(f"/savings/goals/{goal_id}", headers=auth_header)
+    assert r.status_code == 404
+
+
+def test_contribute_to_savings_goal(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "Car", "target_amount": 5000},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    r = client.post(
+        f"/savings/goals/{goal_id}/contribute",
+        json={"amount": 500},
+        headers=auth_header,
+    )
+    assert r.status_code == 200
+    data = r.get_json()
+    assert data["current_amount"] == 500.0
+    assert data["progress_pct"] == 10.0
+    assert data["status"] == "ACTIVE"
+
+
+def test_contribute_accumulates(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "Laptop", "target_amount": 1000},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    client.post(
+        f"/savings/goals/{goal_id}/contribute",
+        json={"amount": 300},
+        headers=auth_header,
+    )
+    r = client.post(
+        f"/savings/goals/{goal_id}/contribute",
+        json={"amount": 400},
+        headers=auth_header,
+    )
+    assert r.status_code == 200
+    assert r.get_json()["current_amount"] == 700.0
+
+
+def test_contribute_auto_completes_goal(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "Phone", "target_amount": 1000},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    r = client.post(
+        f"/savings/goals/{goal_id}/contribute",
+        json={"amount": 1000},
+        headers=auth_header,
+    )
+    assert r.status_code == 200
+    data = r.get_json()
+    assert data["status"] == "COMPLETED"
+    assert data["progress_pct"] == 100.0
+
+
+def test_contribute_invalid_amount(client, auth_header):
+    r = client.post(
+        "/savings/goals",
+        json={"name": "Test", "target_amount": 1000},
+        headers=auth_header,
+    )
+    goal_id = r.get_json()["id"]
+
+    r = client.post(
+        f"/savings/goals/{goal_id}/contribute",
+        json={"amount": -100},
+        headers=auth_header,
+    )
+    assert r.status_code == 400
+
+    r = client.post(
+        f"/savings/goals/{goal_id}/contribute", json={"amount": 0}, headers=auth_header
+    )
+    assert r.status_code == 400
+
+
+def test_goals_isolated_between_users(client):
+    # Register two users
+    client.post(
+        "/auth/register", json={"email": "user1@test.com", "password": "pass123"}
+    )
+    client.post(
+        "/auth/register", json={"email": "user2@test.com", "password": "pass123"}
+    )
+
+    r = client.post(
+        "/auth/login", json={"email": "user1@test.com", "password": "pass123"}
+    )
+    header1 = {"Authorization": f"Bearer {r.get_json()['access_token']}"}
+
+    r = client.post(
+        "/auth/login", json={"email": "user2@test.com", "password": "pass123"}
+    )
+    header2 = {"Authorization": f"Bearer {r.get_json()['access_token']}"}
+
+    # User1 creates a goal
+    r = client.post(
+        "/savings/goals",
+        json={"name": "Private Goal", "target_amount": 1000},
+        headers=header1,
+    )
+    goal_id = r.get_json()["id"]
+
+    # User2 cannot see it
+    r = client.get("/savings/goals", headers=header2)
+    assert r.get_json() == []
+
+    # User2 cannot access it directly
+    r = client.get(f"/savings/goals/{goal_id}", headers=header2)
+    assert r.status_code == 404