Budgets & Goals

The Budgets & Goals page is the dedicated home for both pocket types. Goals let you set a savings target inside any asset account — your target sits in a real pocket, so the money remains part of your actual balance, nothing hypothetical. Budgets are spending envelopes with a scheduled allowance that refills automatically.

Adding a goal

1. Go to Budgets & Goals in the sidebar.
2. Click Add goal.
3. Name the goal (e.g. "Emergency Fund", "New car").
4. Set the target amount.
5. (Optional) Pick a target date — WealthMgr calculates the monthly savings needed.
6. Choose an existing savings account or create a new one.
7. Click Save.

WealthMgr creates a pocket of type goal in the chosen account. If you provide a starting amount, the pocket’s allocated amount is set to that figure without inserting any transaction — it simply earmarks part of the parent account’s existing balance, so the account card’s “out of pocket” (unallocated) line shrinks. Actual transfers happen only via manual transactions or automation rules.

The Budgets & Goals page

The Goals section lists all goal pockets across every account. Each card shows:

• Goal name and parent account
• A progress bar with percent complete
• Saved vs. target amounts
• Target date (if set)

From the card you can star the goal (the same star that surfaces it on the Dashboard), Add funds or Withdraw — both open the transaction form with the goal pocket preselected, so every movement is a real transfer. A goal that doesn’t allow surpassing its target rejects deposits that would push it past the target, with an inline error telling you by how much. Manage in Accounts opens the full account view for the remaining depth (edit target or allow-surpassing, archive, activity).

The Budgets section lists every spending envelope with its remaining allowance, what you’ve spent this cycle, and when it next replenishes. Click Create budget to set up a new envelope (the account the envelope lives in, name, allowance, refill schedule, and funding account), or Edit / Delete on a card to manage an existing one. Deleting asks for confirmation and, when the envelope has a replenishment rule, offers to disable that rule along with the delete.

Goal progress on the Dashboard

Your first goal appears on the Dashboard with a recommended monthly savings figure. The math:

monthly_needed = (target - saved) / months_remaining

Where months_remaining counts whole months from today to your target date. If no target date exists, the recommendation is not shown.

Where the target date lives

Target dates are stored in the pocket table alongside the goal itself (target_date column). They sync across devices via Turso sync for paid users. If no target date is set, the Dashboard does not show a recommended monthly figure — set one on the Budgets & Goals page or via the Add goal dialog to see a plan.

Editing and deleting goals

Goals are pockets internally, so edits happen on the Accounts page:

1. Open the account containing the goal pocket.
2. Click the pocket menu (⋮).
3. Choose Edit to change the name, target, or allow-surpassing setting, or Delete to remove it.