Perfingo
How do I add a goal or milestone?
Add a goal: a wedding, a car, a career break, an allowance for your parents. Every goal is a card: name it, set how often its cost comes up, and how important it is. The rest of the card follows. A one-time goal card shows a target date, an amount, expected cost growth and importance, plus an implied savings-vs-investment mini-chart and its own feasibility chip.
One-time vs repeating
Pick once, or repeating: monthly, every two months, twice a year, yearly, or every few years. A one-time goal needs a start date, the date you want the money ready by. A repeating goal needs a start age and an end age instead, so the plan knows the stretch of years to fund.
For a repeating goal, the amount is per occurrence, not the year’s total: a $200 “Monthly” goal costs $2,400 that year, not $200. The form says so next to the field.
Importance
Five levels, from must achieve down to okay without, set how a one-time goal’s money is held on the way there: “must achieve” leans on safe savings, “okay without” leans more on investment growth. Repeating goals ignore this; their cost is paid every year it falls due, never skipped for tight cash. See Children & milestones for how that split works.
Shared goals: the “both” split
On a couple’s plan, every goal also has a payer: you, your partner, or both. Pick “Both” and set your share as a percentage; your partner’s share fills in to match.
On your chart
Every goal becomes a marker on your plan’s main chart and a card in the dashboard’s goals view. Drag a marker to a new year and the goal’s dates update to match. See The plan dashboard for how markers and cards work.
The dashboard’s Goals card shows every goal from this screen with its feasibility chip. Where there’s an active saving plan, it also shows a progress ring and a small saving-plan sparkline.
How do I set money aside for a goal?
A goal is a target the numbers are built around; what you’ve actually put aside is separate, linked lightly to it. From a holding on your tracking page, open a sheet and set part of it aside for a goal, or your own pot like “Retirement”. The sheet shows a split bar and a list of goals the holding’s value is dedicated to.
On the dashboard, a goal card shows a chip with the amount already set aside against what the goal needs.
The full workings live in Tracking your progress.
What is the difference between a one-time and a repeating goal?
A one-time goal needs a start date, the date you want the money ready by. A repeating goal needs a start age and an end age instead, so the plan knows the stretch of years to fund.
Is the amount for a repeating goal per year?
No. It is per occurrence, not the year's total. A $200 "Monthly" goal costs $2,400 that year, not $200.
How do I move a goal to another year?
Drag its marker on the main chart to a new year, and the goal's dates update to match.