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Off the top of my head:

- sub-goals ("you have already saved x% towards paying of your debts")

- smaller awards (Amount: "$5 saved", Frequency: "3 taps a day award", Time: "you saved something every day this week")

- a ranking (not sure how that would work)

This would not only provide incentive to save, but it would also increase usage, which makes the app harder to forgot/uninstall.

Good luck!

PS: On your website, add a subscribe via e-mail box. Then you can capture people (like me) who would be interested to sign up when you build a native app.




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