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You know you should be setting aside money for that credit-card debt/house down payment/’70s-era Vespa that will bring you more joy than there are stars in the sky.

But contributing to a savings fund can feel...daunting.

That’s why we’re so pumped up on SavedPlus, a new app that automatically transfers money from your checking account to your savings account every time you make a purchase.

Here’s how it works: Upon enrollment, you securely link up your primary checking and savings accounts (it’s OK if they’re at two separate banks). Then decide how much you want to save each time you spend--anywhere from 5 to 20 percent of the purchase amount. From then on, every time SavedPlus detects a debit from your checking account, it will transfer the corresponding percentage from your checking to your savings.

For instance, say you set up a 10 percent savings rate. If you spend $75 on groceries, $7.50 will automatically go into your rainy-day fund--without your having to lift a finger. (Big purchases--say, $700 airline tickets--make you save even more.)

The service is entirely free (SavedPlus doesn’t take a cut) and you can adjust your contribution amount at any time. All of which makes this a pretty genius way to routinize your savings.

Vintage Vespa, here you vrooommm...

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