Savings goals

A goal is a name, a target and the money you have put towards it so far. It does not hold your money — the money sits in a real account — a goal only keeps score.

Creating one

Goals → new goal: a name, the amount you are aiming at, optionally a deadline and an account the savings live in. Pick an icon and a colour if you like; on a screen with six goals they are what you actually navigate by.

Putting money in

Two ways, and they are different in kind:

• A contribution — you move money from an everyday account into the goal's account. The app records a transfer, so both balances stay true and the goal's progress moves. This is the honest one: your money really did change place.
• Counting what is already there — a goal attached to an account can simply follow that account's balance, which suits a goal you started before the app.

Automatic top-ups

A goal can move a fixed amount on a chosen day of each month, from an account you name. The app does it once per month per goal, and it is an ordinary transfer: visible in the list, editable, undoable.

If the source account cannot cover it, nothing is invented — the top-up simply does not happen that month, and you will see it missing rather than a balance that never existed.

Reaching the target

When the total crosses the target you get a notification, and the goal is marked complete. Nothing is spent automatically: the money stays where it is, and what happens next is your decision.

Deadlines

A deadline is a mirror, not an alarm: the goal shows whether the current pace gets you there in time. Missing one costs nothing — no notification nags you, and the goal keeps counting.