The Lazy Saver1p saving challenge (UK): £667.95 in a year
Updated 14 October 2026 · 4-minute read · UK
Save 1p on day 1, 2p on day 2, and so on up to £3.65 on day 365. It starts so small it feels silly, which is exactly why it works.
The total
Add up 1p to 365p and you get £667.95. Most of it comes in the second half of the year.
Reverse it for winter
Like the 52-week challenge, the biggest days land in December if you start in January. Do it backwards (£3.65 first) or start in spring.
A 6-page printable with a payday bill calendar, subscription hit-list and a 30-day challenge. Free by email.
Get the free plannerMake it lazy
Instead of daily transfers, do it weekly: add up that week's seven days (week 1 = 28p) and transfer once. Or colour in random days you can afford.
Our 20-second UK calculator adds up takeaways, unused subscriptions and not switching. The yearly total is usually a shock.
Try the calculator →Savings Challenge Pack (£3.99): 8 printable challenges and a cash stuffing kit. Built for UK paydays and the 2026/27 tax year. Instant download.
See it in the shop →FAQ
How much is the 1p challenge in total?
£667.95 over 365 days.
How do I do the 1p challenge with a bank app?
Use round-ups, or a weekly manual transfer of that week's total into a named pot.
Is it worth it?
It builds the habit for almost nothing at first, and £667.95 is a solid Christmas or emergency pot.