# 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:

{% stepper %}
{% step %}
Navigate to **Savings** in the main menu.

{% hint style="info" %}
The names of menu items and other UI elements depend on your broker’s configuration and may differ from those shown in this guide.
{% endhint %}
{% endstep %}

{% step %}
On the **Available savings** tab, choose **Flexible** or **Fixed** to view available programs.
{% endstep %}

{% step %}
Review the details and requirements of the selected program.
{% endstep %}

{% step %}
Click **Subscribe** to proceed.

<figure><img src="/files/lrXykO6HznL6yo0czB92" alt="Savings"><figcaption><p>Savings</p></figcaption></figure>
{% endstep %}

{% step %}
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.
{% endstep %}
{% endstepper %}

After subscribing, the program will appear on the **My savings** tab, where you can track its progress and status.


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