Goals

1. Tap the + button and choose Goal. If you have no goals yet, Add Goal on the empty Goals page does the same thing.
2. Tap one of the preset pills - Rainy Day Fund, Credit Card Payoff, Vacation, Downpayment, Retirement Savings, Renovations, Monthly Saving Rate or Yearly Donation Rate - to fill in the name, icon and type in one go. Or ignore them and set your own.
3. Enter a Goal Name and pick an Icon.
4. Choose the Goal Type. The rest of the form changes to suit it, so this is the field to get right first.
5. Fill in the amounts. A Saving Amount goal asks for a Current Amount and a Target Amount. A Paying Off goal asks for a Target Balance instead, where 0 means paid off. Start and target dates are optional.
6. Tap Add Goal.

The first two have a finish line. The last two do not.

This type asks for a Monthly Amount rather than a lifetime target, plus an optional Start Month and whatever you have already put aside. It measures pace: what you have saved against what you should have saved by now, with the expectation growing by your monthly amount each month.

Because there is no finish line, it never completes and never moves to Completed Goals. It reads Ahead, On Track or Behind, and the time label shows which month you are in rather than a countdown.

Two extra controls appear on this type. Record this month logs a contribution, and Adjust monthly target changes the amount from this month or next month onward. Adjusting is not rewriting history: months that have already passed keep the target they had at the time, and the goal shows a month-by-month history.

This one tracks your savings rate against a target you set. It asks for just two things: a Timeframe (Monthly or Yearly) and a Target Rate as a percentage.

It has no amount and no dates, and it is measured from your income and spending rather than anything you record by hand. So it cannot receive contributions, cannot be linked to a transaction, and cannot be linked to an account. Like Monthly Saving, it never completes: it simply reads On Track or Behind for the current period.

Saving Amount and Paying Off goals offer two tracking modes, and the choice decides what you can do with the goal afterwards:

• Manual - you update the amount yourself. This is also what unlocks Add Funds and transaction linking.
• Account Linked - the goal reads its value from one or more accounts or assets. The amount becomes read-only and updates on its own.

Paying Off goals open on Account Linked, since a debt’s balance is usually the thing being tracked, but you can switch one to Manual and enter the balance yourself. Monthly Saving and Ongoing Percentage are always manual.

For a Saving Amount, Paying Off or Monthly Saving goal that is on Manual:

1. Open the Goals page and tap the goal.
2. Tap Add Funds. On a Monthly Saving goal the same button reads Record this month.
3. Enter the amount and confirm. The progress bar moves straight away.

Every contribution is listed under the goal’s Contributions tab, so you can check what made up the total and remove a row you added twice.

An Ongoing Percentage goal has no Add Funds button. It is manual in the sense that no account feeds it, but it is measured from your income and spending rather than from anything you record, so there is nothing to contribute to. A completed goal loses the button too.

If you have already recorded the transfer that funded a goal, attach it rather than entering the amount a second time. Open the transaction and use Link to Goal, then pick the goal. Its progress goes up by the transaction’s amount.

The button only appears on transactions categorised as Transfer or Investments - money you moved rather than money you spent. On the goal side, the picker offers any goal with an amount that is on Manual tracking. Ongoing Percentage goals never appear, because they are measured rather than contributed to.

A goal that has reached its target drops out of the picker. Monthly Saving goals stay available indefinitely, since their amount is a monthly commitment rather than a finish line.

To undo it, use Unlink from goal on the transaction, or remove the row from the goal’s contributions list. Either way the goal drops back by that amount and the transaction stays in your history.

A manual goal can watch an account for you. The Auto-link transfers from field picks one account, and transfers into it that arrive through bank sync are counted as contributions automatically.

It is account-based rather than category-based, so it works best when a goal has a dedicated savings account behind it. Money moving in adds to the goal, money moving out subtracts, and the goal never drops below zero. Only synced transactions are picked up - transactions you enter by hand are not auto-linked, so use Link to Goal for those.

Goals have their own top-level section. Goals that reach 100% move into a Completed Goals section automatically and drop off the dashboard widget. Monthly Saving and Ongoing Percentage goals never complete, so they stay in the active list indefinitely.

The Goals page also has an Imagine tab for exploring what setting money aside could grow into.