Your money

Goals

Savings targets and debt payoffs, with a contribution ledger of your own and an honest read on whether you are ahead or behind.

Goals is a target laid over money the app already tracks elsewhere. Two kinds share one model: a savings goal accumulates toward a target; a payoff goal retires a debt down to zero.

Progress is a ledger, not a balance#

This is the design decision worth understanding. A goal's progress comes from a contribution ledger Goals owns itself — dated entries you record — and never from reading an account balance live.

That is deliberate, for two reasons:

• One account often backs several goals. Reading the balance into each would report the same money three times over.
• A balance cannot tell you about pacing. A ledger knows when and how consistently you contributed, which is what makes a projection possible at all.

Categories cover the usual shapes — emergency fund, home, vehicle, education, wedding, travel, retirement, a gadget, debt — plus anything else you name.

Pace#

From the ledger, Monestra works out whether you are on track, ahead or behind for the target date, and projects when you will arrive at the current rate.

It states the position and the arithmetic behind it. It does not tell you to contribute more.

Linking an account#

A goal can point at the Account where the money is kept. This is a reference: the account's balance is displayed beside the goal's ledger and deliberately never read into it.

If the linked account is later closed, the goal still resolves it. If it is deleted, the goal says "linked, but deleted" rather than quietly dropping the reference.

Milestones and the trophy case#

Goals is the one module with a positive register. It marks milestones as you pass them and completions when you arrive, and keeps finished goals in a trophy case rather than deleting them.

Net worth#

Goals contributes nothing to net worth, on purpose. The money in a savings goal is already counted in the account holding it; counting the goal as well would inflate the total. A goal is a lens on money tracked elsewhere, not a second copy of it.

On Radar and the Checklist#

A goal with a regular contribution appears on Radar as recurring money out, and in the Checklist as a monthly contribution to record. The date is computed, so Radar draws goal flows dotted.