Savings goals and projects
Goals and projects, kept out of everyday spending.
Finite budgets you fund over time and spend down. They outlive the month.
A goal has a target and an optional date.
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SAVINGS GOAL
Emergency fund
$0.00 of $1,000.00 by Dec 1
Goals and projects side by side
A project is a one-off you save toward across months, like a trip, a renovation, or a new laptop. Set a target and fund it as you go.
A savings goal has a target amount and an optional date. The demo plan’s Emergency fund is $0.00 of $1,000.00 by Dec 1.
How funding moves the numbers
Goals and projects sit outside safe to spend. Moving money out of a budget into one lowers safe to spend, because that budget then has less left.
| You… | Safe to spend | Unused income |
|---|---|---|
| Move money from a budget into a goal or project | Goes down | No change |
| Fund a goal or project from income | No change | Goes down |
What goals and projects don’t do
- They aren’t part of safe to spend.
- The emergency fund template counts only the essentials you pick.
Questions and answers
Do savings goals or projects affect it?
Only when money moves out of a budget into a goal or project, because that budget then has less left. Funding a goal or project from income lowers unused income instead.
Does it include income I haven’t budgeted?
No. That is unused income, shown just below it. It becomes safe to spend once you put it in a budget.
What is safe to spend?
What is left in your budgets this monthly period: each budget’s amount minus what you’ve spent, plus anything carried over. It is the first figure on Today.
You can start with a demo plan.
When the app is available to you, its first screen offers four ways in. One is a demo plan.
Try a demo plan · Restore encrypted backup · Join with an invite · Create a new space
These are sample numbers, kept separate from your real plan.
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