A goal is an amount you want to save by a date: an emergency fund, a trip, a down payment. Every contribution you record takes money from a real account, and the goal shows how much has been saved, how much is left and whether your current pace gets there on time.
Marina wants to save R$ 12,000 for a trip in December next year and plans to put aside R$ 800 a month.
Create a goal
In the menu, go to Planning › Goals and click New Goal:
- Goal Name (required) and Description.
- Target Amount (required) — how much you want to save.
- Current Amount — if you already had part of it saved before using Finances, enter it here. This amount does not come out of any account.
- Target Date (required) — must be a future date.
- Monthly Contribution — how much you plan to save each month. It feeds the estimated completion.
- Icon and Color — to spot the goal at a glance, such as Travel, Home or Car.
Marina creates "December trip" with a Target Amount of R$ 12,000, a Current Amount of R$ 2,000 she had already saved, and a Monthly Contribution of R$ 800.
Record a contribution
In the goal's menu, use Add contribution:
- Amount — cannot exceed what is left for the goal. The window shows the remaining amount.
- Source Account — where the money comes from. Its balance goes down.
- Move to another account — turn it on to choose the Target Account (where it will be saved). The amount leaves the source and enters the target, like a transfer.
- Notes — optional.
Without a target account, the money leaves the source and lives only in the goal: your account balances go down. If you actually keep the money in a savings or investment account you have added, choose it as the target so your balances keep matching the bank.
Marina contributes R$ 800 from the Nubank Checking Account to the Itaú Savings Account. Checking drops R$ 800, savings rises R$ 800, and the goal goes to R$ 2,800.
After the first contribution, the Current Amount is locked when editing: it only changes with new contributions or when one is deleted.
Read the progress
Each goal shows the percentage bar and the current, target and remaining amounts. It also shows:
- Time Remaining until the target date.
- Needed per month — how much you would need to save from now on to make the date.
- Estimated completion — when the goal finishes at the pace of the monthly contribution. If that date is past the target date, it shows how many days late the goal will be.
With R$ 9,200 left and R$ 800 a month, Marina sees the estimate and knows whether she needs to raise the contribution. A goal that reaches its amount shows as Reached; one that passes its date without getting there, as Overdue.
At the top, the Goals Summary adds them all up: total, saved, remaining, total monthly contribution and the estimated time to complete all of them. The filters separate In Progress and Completed.
History and reversal
History lists every contribution with date, amount and the source and target accounts. Deleting a contribution undoes what it did: the money goes back to the source account, leaves the target and comes off the goal's total. Deleting the whole goal does the same for all its contributions.
Where this shows up in the rest of the system
- Bank Accounts — each contribution shows in the source account's statement and, if any, in the target's.
- Home dashboard — the goals card shows progress and the goals close to their deadline.
- Wisebot — answers questions like "how much is left for my travel goal?".
Where to go next
- Accounts and transfers (personal) — add the savings account that will receive the contributions.
- Budget — keep spending in check so the month's contribution is left over.
- Investments — follow the saved money as it earns.
In short: create the goal with amount, date and monthly contribution; record each contribution with the source account and, if the money goes to a savings account, with the target; follow the needed-per-month figure and the estimate, and delete a contribution if you need to undo it.