Savings Goals

Set a financial goal, and the AI will build a personalized plan — with monthly contributions, category spending limits, and milestone checkpoints to keep you on track.

Overview

The Savings Goals feature lets you define targets like “Save 20,000 PLN by next summer.” The AI analyzes your income, expenses, and spending habits over the past 3 months, then generates a step-by-step plan to help you reach your goal.

How to Access

• Navigate to Goals from the home screen or settings
• The Goals list shows all your active, paused, completed, and failed goals

Creating a Goal

1. Tap the + button on the Goals screen
2. Fill in the form: - Goal Name — e.g., “Vacation fund”, “Emergency savings” - Target Amount — the amount you want to save - Currency — select from USD, EUR, PLN, GBP, UAH, RUB, BYN - Deadline — choose a target date, or use quick-select buttons: 3 months, 6 months, 1 year, 2 years
3. Tap Create Goal

The AI automatically generates a savings plan after creation. This uses 2 AI requests from your monthly allowance.

AI Plan

After creating a goal, the AI generates a detailed plan with:

Contribution Amounts

• Monthly contribution — how much to set aside per month
• Weekly contribution — broken down into weekly amounts

Feasibility Assessment

The AI evaluates how realistic your goal is:

Category Spending Limits

A table showing for each spending category: - Current — your average monthly spend - Suggested — the AI’s recommended limit - Savings — how much you’d save per month

Checkpoints

A visual timeline with 3–5 milestones: - Each checkpoint has a date, target amount, and label - Reached checkpoints show a green checkmark - Helps you track whether you’re on pace

Summary

A brief text explanation of the plan with actionable advice tailored to your spending patterns.

Progress Tracking

The goal detail screen shows:

• Progress bar — percentage of target amount saved
• On Track / Behind indicator
• Projected completion date — when you’ll reach the goal at your current pace
• Monthly needed — how much you still need to save per month
• Behind by — how much you’re behind schedule (if applicable)

Contribution History

Every time you tap Add Funds, the app records the deposit as a separate entry in your contribution history. The goal detail screen shows a Contribution History section below the progress bar with:

• The amount added and the goal’s currency
• The date of each deposit
• A note for contributions made via the AI chat (“AI update”)

History starts from when you first use “Add Funds” — earlier manual edits to the current amount are not backfilled. Up to 20 most recent contributions are shown.

Managing Goals

• Update amount — adjust your current savings amount as you save
• Edit goal — change name, target, or deadline
• Pause / Resume — temporarily pause a goal
• Regenerate Plan — get a fresh AI plan based on updated spending data (costs 2 AI requests)
• Delete — permanently remove a goal

Goal Statuses

AI Cost

FAQ

• Q: Does the AI update the plan automatically? A: No. The plan is generated once when you create the goal. Tap Regenerate Plan to get an updated plan based on your latest spending data.

• Q: Can I have multiple goals at the same time? A: Yes, you can create as many goals as you like. Each goal is tracked independently.

• Q: How does the AI know my spending patterns? A: It analyzes your expense and income history for the past 3 months in the currently selected account.

• Q: Is my goal data shared with anyone? A: Goals are tied to your account. On shared accounts, other members with access can see the goals.

See also: AI Chat | Budgets | Fat Finder