Goals

The Goals module helps you define and track financial objectives by allocating portions of your existing account balances towards specific targets. Whether you're saving for a vacation, building an emergency fund, or planning a major purchase, Goals gives you a clear picture of your progress.

Unlike traditional savings trackers that require separate accounts, Goals works with your existing accounts. You tell the system which accounts fund each goal and how much of each account's balance should count towards it. The system then calculates your progress automatically.

Core Concepts

How Goals Work

A goal represents a financial target you want to reach. Each goal has:

• Name - A descriptive label (e.g., "Emergency Fund", "New Car", "Holiday 2026")
• Target Amount - The total amount you want to accumulate
• Priority - A number that determines funding order when accounts are shared between goals
• Due Date (optional) - A deadline for reaching your target
• Funding Accounts - The accounts whose balances contribute to this goal

The system calculates your progress by summing up the allocated portions from each funding account and comparing it to your target amount.

Funding Accounts

Each goal can draw from one or more accounts. For each account, you specify how much of its balance should count towards the goal using one of two methods:

Method	Description	Best for
Fixed Amount	A specific currency amount from the account	"€500 of my savings account goes to this goal"
Percentage	A percentage of the account's current balance	"50% of my savings account goes to this goal"

tip

Percentage allocations are dynamic. If your account balance grows, the amount allocated to the goal grows too. This is useful for goals that should scale with your savings.

Example: You have a savings account with €10,000. You create a "Holiday Fund" goal and allocate 20% of this account. The goal receives €2,000. If your savings grow to €15,000, the allocation automatically becomes €3,000.

Priority System

When multiple goals share the same account, the priority number determines which goal gets funded first. Higher numbers = higher priority.

The system allocates funds in priority order:

1. Goals with priority 10 are fully funded first
2. Remaining balance goes to priority 9 goals
3. And so on...

If an account doesn't have enough balance to fully fund all goals, lower-priority goals may be underfunded. The system flags these so you can see which goals need attention.

warning

Underfunded goals appear when the total allocations from an account exceed its available balance. The system will show a warning indicator on affected goals. Consider adjusting priorities or allocations to resolve this.

Example: You have €1,000 in your savings account. Goal A (priority 10) wants €800, Goal B (priority 5) wants €500. Goal A gets its full €800, but Goal B only gets the remaining €200 and is marked as underfunded.

Setting Up a Goal

Creating a New Goal

1. Navigate to Goals from the sidebar
2. Click the Add Goal card or button
3. Fill in the goal details:
   • Name (required) - Give your goal a clear, descriptive name
   • Target Amount (required) - The total amount you want to save
   • Priority (required) - Set the funding priority (higher numbers = higher priority)
   • Due Date (optional) - Check "Set due date" if you have a deadline
4. Add funding accounts (optional but recommended):
   • Expand the Funding Accounts section
   • Click Add Account
   • Select an account from the dropdown
   • Choose Fixed Amount or Percentage
   • Enter the value
5. Click Add to create the goal

Editing a Goal

Click on any goal card to open the edit dialog. You can modify all fields, add or remove funding accounts, and change allocations. Click Update to save your changes.

Archiving a Goal

When a goal is complete or no longer relevant, you can archive it instead of deleting it. Archived goals:

• Don't appear in the main goal cards view
• Are hidden from the list by default (use "Show archived" to reveal them)
• Can be reactivated at any time by editing and setting status back to "Active"

To archive a goal, open the edit dialog and toggle the status from Active to Archived in the top-right corner.

Deleting a Goal

To permanently remove a goal, open the edit dialog and click the Delete Goal button at the bottom. This action is irreversible.

Understanding the Dashboard

Goal Cards

The main view displays your active goals as visual cards. Each card shows:

• Goal name and description
• Circular progress indicator with percentage complete
• Current amount vs target amount
• Due date chip (if set) - colour-coded by urgency:
  • 🔴 Red = overdue
  • 🟡 Yellow = due within 30 days
  • Default = more than 30 days away
• Warning icon = goal is underfunded due to priority conflicts

Cards are sorted automatically:

1. Overdue goals first
2. Then by nearest due date
3. Goals without due dates
4. Completed goals last

Full List Table

Expand the Full list accordion to see all goals in a table format, including archived ones (when "Show archived" is checked). The table includes a Status column showing whether each goal is Active or Archived.

Progress Calculation

Your goal's progress is calculated as:

Progress (€) = Sum of all funding account allocations (respecting priority)
Progress (%) = Progress (€) ÷ Target Amount × 100

The progress percentage is capped at 100% for display purposes, even if allocations exceed the target.

note

Progress reflects real account balances. Since allocations are based on your actual account balances, your goal progress updates automatically as your accounts change. There's nothing to manually update - just keep your account balances current.

Worked Examples

Simple Emergency Fund

You want to build a €10,000 emergency fund using your main savings account.

Goal: Emergency Fund
Target: €10,000
Priority: 1

Funding:
  Savings Account (balance: €8,000) → 100% = €8,000

Progress: €8,000 / €10,000 = 80%

As your savings account grows, your progress automatically increases.

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Multiple Goals, Single Account

You have €5,000 in savings and want to fund two goals: an emergency fund and a holiday.

Goal: Emergency Fund
Target: €3,000
Priority: 10
Funding: Savings → Fixed €3,000

Goal: Summer Holiday
Target: €2,000
Priority: 5
Funding: Savings → Fixed €2,000

Account balance: €5,000

Both goals are fully funded because €3,000 + €2,000 = €5,000.

Now imagine your savings drop to €4,000:

Emergency Fund (Priority 10): Gets full €3,000 ✓
Summer Holiday (Priority 5): Gets remaining €1,000 ⚠️ (underfunded)

The holiday goal shows as underfunded because the higher-priority emergency fund was satisfied first.

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Percentage-Based Allocation

You want your investment goal to always represent 30% of your portfolio value.

Goal: Investment Fund
Target: €15,000
Priority: 1

Funding:
  Investment Account (balance: €40,000) → 30% = €12,000

Progress: €12,000 / €15,000 = 80%

If your investments grow to €50,000, the allocation becomes €15,000 (30% of €50,000), and your goal reaches 100%.

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Multiple Accounts Funding One Goal

You're saving for a car using multiple accounts.

Goal: New Car
Target: €20,000
Priority: 1

Funding:
  Main Savings (balance: €10,000) → 50% = €5,000
  Car Fund Account (balance: €8,000) → 100% = €8,000
  Current Account (balance: €3,000) → Fixed €2,000

Total Progress: €5,000 + €8,000 + €2,000 = €15,000
Progress: €15,000 / €20,000 = 75%

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Tips & Best Practices

Setting Priorities

• Give your most important goals (emergency fund, debt payoff) the highest priority numbers (highest priority)
• Use the same priority number for goals of equal importance
• Review priorities when adding new goals to ensure proper funding order

Choosing Fixed vs Percentage

Use Fixed Amount when...	Use Percentage when...
You have a specific amount earmarked	The goal should scale with your balance
The allocation shouldn't change automatically	You want to maintain a ratio across goals
You're budgeting from multiple accounts	The account is dedicated to this goal type

Avoiding Underfunding

• Check the total of all fixed allocations doesn't exceed your account balance
• Remember that percentage allocations are calculated on current balance
• Use priorities strategically - essential goals should have higher priority

Using Due Dates

• Set due dates for time-sensitive goals (holidays, annual expenses)
• Leave due dates empty for ongoing goals (emergency fund)
• The dashboard highlights overdue and approaching deadlines automatically

FAQ

You can find them here.