1. A method comprising: receiving, by a computer for determining a savings amount and a payment hierarchy, user financial information comprising user savings goal information, user debt information and user income information; determining, by the computer and in response to the receiving, the savings amount based upon the user savings goal information and the user income information, wherein the savings amount is transferred to a user savings account, wherein the savings amount is at least a portion of user income; validating, by the computer, the transfer of the user savings amount; analyzing, by the computer and in response to the transfer of the savings amount, the user debt information to determine a plurality of pending debt payments; determining, by the computer, a plurality of penalties by analyzing, for each of the plurality of pending debt payments, a penalty associated with at least one of a payment amount or a payment timing; and determining, by the computer, the payment hierarchy based upon the savings amount, the plurality of penalties and at least one of the payment information, the user savings goal information or the user income information, wherein the payment hierarchy minimizes the plurality of penalties.