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).

A goal shows the same status on its card, on the Goals card of the main Dashboard, and on its own page.

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 Account Shares section, allocate a percentage of each account to the goal:

• An active savings goal sets its share of an account aside. A single account can fund multiple savings goals, but their combined share can’t pass 100 %. A goal’s share is released when it’s completed or archived.
• Retirement can share an account with savings goals. Its share is an upper limit: it counts what active savings goals leave free, up to that share. With a savings goal holding 30 % of an account, a retirement share of 100 % counts 70 %. See Retirement Planning → Funding.
• Each account share shows its amount beside the percentage.
• 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 Savings Inputs card in the sidebar lets you tune four levers:

An expected return above 12 % shows a high-return warning. Until you save these inputs, the goal is projected with no monthly contribution and a 5 % expected return.

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 when the projected value at the target date reaches the target, At risk when it reaches at least 90 % of it, Off track below that. The page shows Reached once the saved amount meets the target, and Setup needed until the goal has a target amount and a target date.
• Projected value at target date – the balance the projection reaches on the target date with your monthly contribution and expected return.
• Required monthly contribution – the smallest whole monthly amount that reaches the target by the target date (Needed in the Monthly plan card).
• Projected completion date – the first month-end at which the projected balance reaches the target (Finish in the Monthly plan card), or today if you’ve already reached it.
• Trajectory – the projected balance from today to the target date in three scenarios: pessimistic (return − 2 %, not below 0 %), nominal (your input), and optimistic (return + 2 %). A dashed line (Needed to stay on track in the legend) shows the balance needed at each point to still reach the target by the target date with your planned contribution. The nominal line sits on or above it when the goal is on track.

Milestones (25 %, 50 %, 75 %, 100 %) show the month the nominal projection first reaches each step. A step you’ve already saved shows Reached; one the projection doesn’t reach by the target date shows Not reached.

The status, projected value, required contribution, completion date, chart, and milestones all come from one projection, so they always agree.

How the projection works

The save-up engine runs one deterministic simulation from today, recording the balance at each month-end and on the target date:

1. The expected return is a yearly rate, as in the retirement planner. Over d days the balance grows by (1 + annual_return)^(d ÷ 365), so a 5 % return grows the balance 5 % a year.
2. Your monthly contribution lands at each calendar month-end after today, up to and including the target date. A target date that isn’t a month-end gets no contribution for its month: a goal due on the 30th doesn’t count that month’s contribution. Money you’ve already saved is in the current value.
3. The projected value at the target date is the simulated balance on that date. The health status compares it with the target.
4. The required monthly contribution is solved directly, because the final balance grows in a straight line with the contribution: the shortfall without contributions is divided by what one unit a month grows to by the target date, rounded up to a whole unit, and checked against the simulation. It is 0 when the current balance already grows to the target, and the whole shortfall when no month-end falls before the target date.
5. The completion-date search runs past the target date: three times the time to the target date (at least 10 years, at most 100), or 50 years for a goal with no target date. If the projection misses the target date, the completion date is the first month-end after it at which the balance reaches the target.
6. The optimistic and pessimistic scenarios repeat the simulation at your return + 2 % and − 2 % (not below 0 %).
7. The dashed line works backwards from the target on the target date: each step removes the planned contribution and discounts the balance at the expected return.

Upgrading from 3.11. A savings goal can show a different status, projected value, or monthly amount after the update. A 5 % return used to grow the balance about 5.13 % a year and now grows it 5 %, contributions follow the month-end rule above, and a goal with no saved plan assumes 5 % instead of 7 %.

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.