Save towards a goal
A goal is money set aside for something specific: an emergency fund, holidays, a down payment, an IKE. You see the progress, a forecast and where the money is kept.
Step by step
- Categories → Goals → New category, e.g. “Savings”. The category groups your goals.
- In the category menu choose Add goal: name, amount to save, deadline and Where the money is — the Net worth account you save on.
- Choose the type: One-off (one amount and deadline) or Yearly (e.g. IKE, IKZE — a new “my goal” every year and an optional limit).
- Plan contributions in the Goals section of the Budget.
- When you move the money, record a Transfer to the goal — in Transactions, in the app, as a standing order or in the monthly review.
How you see progress
- The Goals tab: progress (contributions minus withdrawals), the plan and a forecast of when you will reach the amount.
- Categories → Goals in list view is a table: Type, Progress, Saved / goal and Account. A group shows the money saved against the total of its goals.
- A yearly goal has a year card: Paid in YYYY, the “my goal” and “limit” amounts above the bar, left to the limit below it. Change the limit with Change limit / No limit or in Edit goal. Fit the plan in the Budget spreads the missing amount over the remaining months.
Spending and closing
- An expense from a goal: in the expense form choose the goal in Paid from. Or make a transfer from the goal to an account.
- When a goal is emptied, the app asks whether to close it as achieved. Achieved goals go to the Achieved section — you can Reopen them.
- Delete goal removes the goal's plan in the Budget; contributions and withdrawals stay in Transactions and account values do not change.
FAQ
Emergency fund — a goal or an expense category?
A goal. You save to it every month, and when e.g. the washing machine breaks, you pay for it from the goal. For small swings within an expense group a buffer in the Budget is better.
I have goals “IKZE 2026” and “IKZE 2027”. How do I make them one?
In the group menu choose Merge into a yearly goal. You get one goal with the contribution history of every year.
What is a combined goal?
A category with goals under it (e.g. Retirement above IKE and IKZE) set with Set as combined goal. Its progress is the total of the goals under it. To undo this, choose Turn off combined goal in that category's menu — the combined goal amount disappears, and the category and the goals under it (with their contributions) stay unchanged.
Why don't I see the account balance next to a goal?
One account can serve several goals. Next to a goal you see how much was saved for that goal; the account balance is in Net worth.
Is paying off a debt a goal?
No, a debt is a liability. Use the Debt payoff template.
See also: a goal as a milestone in Plan.