Goals
Goals that track themselves
Progress comes off your account's real balance.
No credit card required
Linked accounts
Point it at the account, and you're done
The balance of the account you link is the progress: $8,400 of a $15,000 emergency fund, read straight off the savings account the goal names.
Debt payoff
Saving up and paying down are the same shape
Aim a goal at a credit card or a loan and it counts down instead. The card owed $4,200 when the goal started and $1,840 is left, so 56% of it is gone.
Where the count starts
Does the money already in there count?
You decide. Reach a total counts the balance that's already sitting in the account: $4,300 of a $10,000 wedding fund. Save more starts the count from today, so savings you built for something else don't get credited to a goal you began yesterday.
Going backwards
Take the money back out, and the goal says so
Spend out of a linked account and the progress falls with it. The card shows you the slip: $340 less than when you started.
Common questions
- Can one goal cover more than one account?
- Yes. Link as many as you like and their balances add up. An account can only back one goal, though, so two goals can’t split the same savings account between them.
- Do my budgets and my goals affect each other?
- No, and that’s deliberate. A budget is about what you spend in a month; a goal is about where a balance is heading. Nothing you budget moves a goal, and no goal quietly eats into a budget.
- What happens when I reach the target?
- You mark it complete. The goal keeps the amount it finished at, and its accounts unlink so they’re free to back the next one.
- Can I use goals without connecting a bank?
- Yes. A manual account’s balance moves with the transactions you record against it, so a goal tracks it exactly the same way. Connecting a bank just means you’re not the one typing them in.