Goals

Goals → “Add a goal”. There are four kinds and they answer different questions:

• SAVE UP — a target amount by a target date (a trip, a deposit, a new roof). It tells you the monthly figure that gets you there and flags the goal “At risk” if the pace stops working.
• PAY DOWN — the same thing pointed at a debt, tracking what you have paid off rather than what you have put aside.
• NET WORTH — a whole-picture target rather than one pot.
• RETIREMENT — hands off to the planner, because that one is a projection and not a straight line.

An Emergency Fund goal is a Save Up goal with a shortcut: set a monthly figure and it sizes the fund for you.

Link it to the account holding the money, and progress is that account's real balance — nothing to update by hand, and it moves the moment the balance does.

If you would rather not link one, you can enter progress yourself, but then the goal only knows what you have told it. A goal that never moves is almost always an unlinked one.

The current pace does not reach the target by the date. It is arithmetic, not a judgment: what is left, divided by the months remaining, against what you have actually been putting in.

Three things fix it and the app does not choose for you — move the date, lower the target, or raise the monthly amount.

Yes, and it is worth doing. A goal with a photo of the actual thing gets funded more often than one called “House Fund”. Add it when you create the goal or from the goal's own screen.