# How to use savings

**Savings programs** allow you to invest idle funds and earn interest by holding them in savings accounts. These programs can offer either a `Fixed` or `Flexible` strategy:

* `Fixed` strategy: invest a pre-defined amount for a fixed period (which may be 30, 60, 90 days, and so on). Funds are locked, and early withdrawal is blocked or penalized. Interest is paid on a set schedule.
* `Flexible` strategy: invest the minimum amount or more, add funds anytime. Interest is tiered based on the invested amount, accrued daily, and paid monthly.

To subscribe to a savings program:

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Navigate to **Savings** in the main menu.

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On the **Available savings** tab, choose **Flexible** or **Fixed** to view available programs.
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Review the details and requirements of the selected program.
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Click **Subscribe** to proceed.

<figure><img src="https://514898401-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FGoRxAprhHu1goANW7FXt%2Fuploads%2Fgit-blob-fa16aac7449cfc3232de5a7385ec34cfbf1cd223%2Ffront-office-savings.png?alt=media" alt="Savings"><figcaption><p>Savings</p></figcaption></figure>
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In the popup that appears, review the program details again. Select a wallet in the program’s currency, or create one and deposit the required amount to begin.
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After subscribing, the program will appear on the **My savings** tab, where you can track its progress and status.