A suggestion to enhance tickr.
Users should be able to make multiple funds to greater balance risk and diversify their themes.
Rather than just one fund with one theme you could have multiple funds with their own themes and risk profiles.
You should be able to enable/disable top ups for each fund. If enabled on multiple they should be split equally between funds or the split could be managed by the user.
You should be able to create different regular direct debit top ups for each fund.