⚠️ Availability: You can view your Goals on the mobile app (iOS and Android) and on the web version. Creating, editing and deleting a goal is only available on the mobile app for now. For the best experience, we recommend installing mobile app version 2.145 or later.
Where can I find my Goals?
From the mobile app home screen, a new Goals card gives you access to your goals and your safety net.
On the web version, your goals live under the Goals entry in the left-hand menu, with two tabs: Goals and Safety net. This view is read-only.
If you haven't created any goals yet, the Get Started button allows you to create your safety net. This is the first step: building a safety cushion before creating your other financial goals.
Once your safety net or goals have been created, you can track their progress directly from the home screen and tap on them to access their details.
How do I create a Goal?
From the goals list, tap the + button in the bottom-right corner. Goal creation takes place in three steps.
1. Name Your Goal
Give your goal a name (for example: "Down Payment for My Primary Residence").
Choose an icon from the 24 available options.
Or select a template to automatically pre-fill the name and icon:
Secure my real estate down payment
Become financially independent
Prepare for retirement
Fund my children's education
Buy a new car
Prepare for my wedding
Go on a trip
Build a safety net
2. Define the Parameters
Target amount (required): In your current currency, without inflation adjustment.
Target date (required): Set using a slider, in months (1 to 24) or years (1 to 50) — e.g., "In 7 years (2034)"
Contributors (required): One or more Finary profiles participating in the goal. Your current profile is selected by default.
Contribution amount and frequency (optional): Weekly, monthly, quarterly, or yearly.
Linked assets (required): Assets that will be used to track the goal's progress.
If an asset is linked to multiple goals, its value is split between them — the same euro is never counted twice. Your safety net is always funded first, whatever target dates your other goals have; the remaining goals then follow by closest target date. A priority goal draws on the shared asset's entire balance, not just the amount it needs, so a goal can show €0 if the asset linked to it is already fully reserved elsewhere.
Contributors must already exist as profiles on Finary. If you want to create a goal with someone else, their profile must first be added to the platform.
For the safety net, only cash assets (checking accounts and savings accounts) can be linked, since this savings must remain immediately available and risk-free.
3. Review and Confirm
Before creating your goal, you will see:
Your estimated progress
The required annual return needed to reach your target
A status indicating whether the goal appears achievable
Understanding Goal Statuses
Each goal is assigned a status based on the annual return required to achieve it, compared with the return your portfolio mix can reasonably be expected to deliver:
On track: The required return is achievable given your portfolio. Everything is progressing as expected.
Challenging: The required return exceeds what your portfolio can reasonably be expected to deliver. Your goal depends too heavily on market performance and should be reconsidered.
Overshooting: You're ahead of schedule — your trajectory will take you past your target amount, and part of your savings could be reallocated.
Overfunded: Your current amount has already exceeded your target.
Underfunded: Your progress is below what's needed to reach your target; increasing your contribution can help.
Completed: Your current amount has reached or exceeded your target. Congratulations!
Overdue: The target date has passed and your goal has not been achieved. It needs to be reviewed.
On the home screen and in the goals list, a combined status summarizes all your goals in a single view.
The required annual return corresponds to the market return needed to reach your target within the specified timeframe, taking into account your current amount and planned contributions.
Tracking and Adjusting a Goal
Tap a goal card to open its detailed view. There, you'll find:
A projection chart showing cumulative contributions and the required return curve
An analysis message tailored to your status
Adjustment levers if your goal is challenging, overshooting, or overdue:
Increase or decrease your contributions
Move the target date forward or postpone it
Increase or decrease the target amount
Link additional assets
This is where you can adjust your strategy in just a few taps without starting from scratch.
Editing or Deleting a Goal
From the goals list, tap a goal to open its detailed view, then use the "..." menu to access two actions:
Edit my goal: Change the name, icon, amount, target date, contributors, or linked assets.
Delete: This action is irreversible. The goal and all associated data will be permanently deleted.
What About Predict?
Predict has evolved and merged into Goals. Your existing simulations have been automatically migrated to this new format, and you now benefit from enhanced features such as dynamic statuses, adjustment levers, a safety net, and much more.
Known Limitations
Viewable on mobile and web: creating, editing and deleting goals is still mobile-only for now.
Currency: Your account's default currency is used automatically.
Free plans: Limited to 1 goal + 1 safety net. Additional goals require a Lite or Plus or Pro subscription.