What you can track with a goal
The anchor you pick narrows the goal types available, and the type you pick sets what the goal works toward. These are all the goal types, in the order the goal picker presents them:- Save toward a target—grow a budget line’s or account’s balance to a target amount.
- Build an emergency fund—set aside enough on a budget line or account to cover a number of months of expenses.
- Pay off debt—bring a credit card or loan account’s balance down to a target.
- Reach a net worth—reach a target total net worth across your whole workspace.
- Cap spending—keep a budget line’s spending under a limit by a deadline.
- Spend less than before—spend less on a budget line than you did over the previous period.
- Reach an income target—reach a total income amount on a budget line by a deadline.
- Hit a savings rate—save a target share of your workspace income over a period.
- Fund a line consistently—meet a budget line’s funding target for a number of cycles you set.
- Keep a contribution streak—add at least a set amount to a budget line or account every cycle, without a gap, for a number of cycles you set.
Goals and your budget mode
Budget modes shape how goals on a budget line are tracked. Some line goal types are only tracked in a specific budget mode; in another mode the type still appears in the picker but reads as disabled with the reason, so you can switch modes if you want it.- Any mode: Cap spending, Spend less than before, Reach an income target.
- Envelope Mode only: Save toward a target, Build an emergency fund, Keep a contribution streak.
- Targets Mode only: Fund a line consistently.
Completing versus maintaining a target
Goals that track a balance toward a target amount—Save toward a target, Build an emergency fund, Pay off debt, and Reach a net worth—offer a Keep tracking after the target is met option that decides what happens once the target is reached. Leave it off and the goal completes when the target is reached. Turn it on and the goal keeps watching to confirm the balance holds—useful for a savings balance you want to stay above, not just touch once. The other goal types always complete at their target and don’t offer this option.Reading a goal’s status
Each goal shows a status chip wherever it appears. Every chip pairs an icon with its label, so status never rests on color alone.- On course—the goal is progressing toward its target on pace.
- Off course—the goal is behind the pace it needs to reach its target.
- Completed—the goal reached its target and stopped tracking.
- Maintaining—the goal reached its target and is holding it.
- Missed—a spending cap or a maintained target was exceeded.
- Inactive—the goal’s type is not tracked in your current budget mode.
- Paused—tracking is stopped, either because you paused the goal or because an item it tracked was removed.
- Archived—you archived the goal, so it has stopped tracking and released the items it tracked. It stays archived until you restore it.
- An amount goal reads
$620.00 of $1,000.00. - A savings-rate goal reads
15% of 20%. - A streak reads
3 of 6 cycles. - A completed goal reads
Reached $1,000.00. - A completed savings-rate goal reads
Reached 20%. - A maintaining goal reads
Holding $620.00 · target $1,000.00.
Where goals live
The Goals page in the sidebar holds every goal in your workspace, whatever each one tracks. Goals also appear in a Goals section on four other pages, each narrowed to what that page covers:- The Home page—your workspace goals.
- The Budget page—every goal across all your budget lines.
- A budget line’s detail page—that line’s goals.
- An account’s detail page—that account’s goals.
Reading the Goals page
Under the Active filter, goals sort into four groups, so whatever needs work sits at the top:- Needs attention—off course, missed after a spending cap or a maintained target was exceeded, or waiting for you to reattach the goal after a tracked account or budget line was deleted.
- On course—on pace toward the target, or holding a target already met.
- Achieved—reached the target and stopped tracking.
- Not tracked now—of a type your current budget mode doesn’t track.
0 means nothing is off course. Expand it to read Every goal is on course.
The filter also offers Paused and Archived, and each of those lists its goals without grouping them. Archiving is not permanent—a goal under Archived keeps its history, and you can restore it, which is why it stays listed rather than disappearing. Active carries one kind of paused goal: the ones Commander paused on its own after an account or budget line the goal tracked was deleted. Such a goal needs a decision from you, so Commander keeps it in view instead of filing it under Paused alongside the goals you paused deliberately.
A goal’s own page
Selecting a goal on the Goals page opens that goal’s page, which holds three panels:- Progress—the figures behind the status chip, in whichever terms fit the goal’s type and where it stands:
- A goal building toward a balance target shows baseline, current, target, and remaining.
- A spending cap or income target shows window, current, target, consumed, and elapsed.
- A Fund a line consistently goal shows required and qualifying cycles.
- A Keep a contribution streak goal shows required cycles and the current run.
- A Maintaining goal shows what it holds, the target, when it first met the target, its longest run, and any breaches.
- A Completed goal shows the target, the final amount, and when it was reached.
- Tracks—each account or budget line the goal covers and what each one contributes, so a goal spanning three accounts breaks back into three figures.
- Settings—the goal type, dates, target, and behavior, with an Edit button.