Goals & Save-Up Planner

The Goals feature turns Wealthfolio into a planning tool: pick a goal, link the accounts that fund it, and the app projects your progress and tells you whether you’re on track.

Looking for the retirement planner or FIRE calculator? See Retirement Planning. For tax-advantaged contribution caps (RRSP, TFSA, IRA, 401(k)…), see Contribution Limits.

The Goals Dashboard

Open Goals from the sidebar to see every goal at a glance.

The dashboard summarises:

• Saved — total current value across all active goals.
• Target — sum of every goal’s target amount.
• Overall — combined progress percentage.
• On track — number of goals projected to hit their target.

Each goal is shown as a card with a cover image, a title, the target date and time remaining, the current saved amount, the remaining amount, and a colour-coded progress bar:

• Green — On track (projected to reach the target).
• Amber — At risk (projected between 90 % and 100 % of the target).
• Red — Off track (projected below 90 % of the target).
• Grey — Not applicable (no target or no target date).

Archived goals are collapsed under the Archived (n) toggle so the dashboard stays focused on what’s still active.

Creating a Goal

Click + New Goal. Six templates are available:

For non-retirement goals, the wizard asks for:

1. Title (required).
2. Description (optional).
3. Target amount in your base currency.
4. Target date.

Retirement goals have their own setup flow — see the Retirement Planning guide.

Funding a Goal

Goals don’t hold money themselves — they reference your real accounts.

In the goal’s Funding section, allocate a percentage of each account to the goal:

• A single account can fund multiple goals as long as the combined share across all active goals stays at or under 100 %.
• Eligible account types are investment / securities, cash, and cryptocurrency accounts.
• Accounts that already feed a Defined-Contribution income stream in a retirement plan cannot also be linked as a generic funding source for that goal — the income stream already accounts for them.

The current value of each goal is the share-weighted sum of the linked account balances, recomputed automatically when balances change.

Goal Lifecycle

A goal can be in one of three states:

• Active — counts toward the dashboard totals and progress.
• Completed — keeps the goal in the dashboard but marks it done.
• Archived — hides the goal from the active list (still recoverable).

Use the ⋮ menu on the goal detail page to edit the title, description, or status, or to delete the goal entirely.

The Save-Up Calculator

Every non-retirement goal opens into a Save-Up workspace with a hero card, a projection chart, and a milestones panel.

Inputs

The sidebar lets you tune four levers:

The current value is read-only — it comes from the funding allocation.

Outputs

The calculator returns:

• Progress — current value ÷ target, capped at 100 %.
• Health status — on_track, at_risk, or off_track.
• Projected value at target date — what you’ll likely have on the target date if you keep contributing.
• Required monthly contribution — what you’d need to deposit each month to reach the target on time.
• Projected completion date — the first month your balance is expected to reach the target.
• Trajectory — month-by-month projection in three scenarios: pessimistic (return − 2 %), nominal (your input), and optimistic (return + 2 %), drawn against the target line.

Milestones (25 %, 50 %, 75 %, 100 %) show when each step is expected to be hit under the nominal scenario.

How the projection works

The save-up engine runs a deterministic month-by-month simulation:

1. The current balance is grown daily at annual_return ÷ 365.
2. Your monthly contribution is added at the end of each calendar month.
3. The simulation runs forward to the target date (or up to 100 years for the completion-date search).
4. The required monthly contribution is solved by bisection (50 iterations, ±$0.01 accuracy) so it is always the minimum deposit that hits the target by the target date.

Assumptions and limitations

The save-up calculator deliberately keeps the model simple. It does not account for:

• Volatility — returns are treated as a constant rate, not a distribution. The optimistic / pessimistic bands are a fixed ±2 % spread, not statistical confidence intervals.
• Inflation — every figure is nominal. If you want today’s-money equivalence, lower your expected return by your assumed inflation rate.
• Taxes and fees — the model assumes a net-of-everything return. Use a return that already nets out fees and tax drag.
• Irregular contributions — only a single recurring monthly amount is supported.
• Account-level returns — the same expected return is applied to the whole goal balance regardless of how the underlying accounts are actually invested.

For more sophisticated retirement modelling — Monte Carlo runs, glide paths, tax buckets, multiple income streams — use the retirement planner instead.