EN ID
← User Guide

Goal Tool

Put a purpose on the money you save, and watch each goal fill up.

Web App
Same as the other two tools. Goal, Budgeting and Portfolio work the same way: the currency, month or account the page is drawn for sits at the top, + Add sits in the card title, and every row carries a pencil and a trash. Learn one, you can drive all three.

Contents

  1. What a goal is
  2. Open the tool
  3. The page at a glance
  4. Add a goal
  5. Read the bar
  6. Put money towards a goal
  7. Goal transactions
  8. Edit or delete

What a goal is

A label on money you already have, not a second pot to keep in step.

🏁

A purpose, not an account

"House deposit" is a tag you put on an investment. The money stays exactly where it is. A goal moves no balance and records no transaction of its own.

🧩

It can sit in several accounts

Half in a term deposit, half in a fund. One goal, one bar, divided into a segment per account, so where the money is and how far along you are is the same picture.

🎯

A target is optional

Set one and the bar shows progress towards it. Leave it out and the bar just shows what the goal holds.


Open the tool

  1. 1 Open the web app.
  2. 2 Click your username, top right.
  3. 3 Choose Goal Tool.

The page at a glance

Every goal as a bar, and the transactions that filled them.

Finance Tracker
Goal Tool
Display Currency
AUD
Goals + Add Goal
🏠 House deposit 42k AUD
28% of 150k AUD01/12/2028
Unallocated 6k AUD
Goal Transactions + Record
DatePurposeTypeAmount
02/08/2026🏠 House depositInvest2,000.00
The Display Currency at the top settles every figure on the page, at the same rates your Report tab uses.

Add a goal

  1. 1 Click + Add Goal in the Goals title.
  2. 2 Give it a name and, if you like, an emoji so it is easy to spot.
  3. 3 Optionally set a target with its currency, and a target date.
  4. 4 Click Add Goal. It is saved on the spot.
Add Goal
Name
House deposit
Icon (emoji)
🏠
Target
150,000
Currency
AUD
Target date ⓘ
2028-12-01
Note
A target keeps its own currency. A target in rupiah stays a target in rupiah, and the page shows what it comes to in the display currency beside it.

Read the bar

One bar per goal, divided into one segment per account holding it.

What you seeWhat it means
Blue segmentsSaving towards the target. Each segment is one account.
Green segmentsThe target has been met.
Faded segmentsNo target set, so there is nothing to be a proportion of.
Grey bar, "Unallocated"Investment money with no purpose on it yet. Not a goal, never stored: it is whatever is left in each account after its goals claim their share.

Hover or tap a segment to see which account it is, what that slice is worth, and how the market has moved it.

Market movement is in the hover tip, never as a transaction row. A price moving is not something anybody did.

Put money towards a goal

Tag the transaction, not the account.

  1. 1 Click + Record in the Goal Transactions title.
  2. 2 Choose Invest to add, Withdraw to take money back out, or Adjust to restate what an account is worth.
  3. 3 Pick the Purpose: the goal this money is for.
  4. 4 Click Save Transaction.
Only those three actions can carry a purpose. An expense or a transfer between cash accounts cannot, so the field is not offered there.
Withdraw from an account without naming a goal and the money comes out of unallocated first. If there is not enough, it eats into the goals in that account, and the app tells you which one it took from.

Goal transactions

Every move that changed a goal, and nothing else.

The table lists the date, the purpose, the action, the account, who recorded it, the amount, and the balance after. Narrow it with the four dropdowns above: purpose, account, type, and who recorded it.

A line that reads "came out of goal X" is an untagged withdrawal that ate into a goal. It is the one row that explains itself, because otherwise the goal would appear to lose money for no reason.

Edit or delete

Both live on the goal's own row.

  1. 1 Click the pencil to rename a goal, change its target or date, or mark it Achieved or Archived.
  2. 2 Click the trash to remove it. You are asked to confirm first.
Deleting a goal takes no money with it. The transactions keep their history, no balance moves, and that money simply reads as unallocated again.