Savings goals

Create goals with a target amount, link them to an account so progress updates on its own, and see how much room the month still leaves you to save.

1. 1

   Choose the type: goal or future expense

   Before the name, choose Goal (something you're saving toward, like an emergency fund or a trip) or Future expense (a cost you already know is coming, like car insurance or Christmas, that you're setting money aside for gradually).

   Tip · A future expense shows a blue marker in the list, and what you set aside for it counts separately in "Safe to spend" — apart from your savings goals.

2. 2

   Create a goal

   Press New goal. You only need two things: a name and the target amount. The Current field is there to start from what you already have set aside — leave it at zero if you are starting from scratch.

   Tip · Everything else lives under Advanced options: linked account, target date, how much you set aside per month, colour, and contributors. None of them is required.

3. 3

   Link the goal to an account

   This is the option that changes the most. When you pick an account, progress stops being a number you type and becomes that account's real balance, updating on its own whenever money moves in or out.

   Tip · With an account linked, whatever you typed in Current no longer counts — the balance wins. Use an account dedicated to saving so the figure really means the goal.

4. 4

   Set a target date

   With a target date, iowii works out the required pace — how much you need to put aside each month to get there in time. It appears in the goal's details and beside its name in the list.

   Tip · If the required pace looks too steep, either push the date out or lower the target. That is the conversation the number exists to start.

5. 5

   Set how much you put aside each month

   Instead of letting iowii work the pace out from the date, you can type the amount yourself in the Per month field. It helps when you already know how much you can save and would rather that be the number that counts — with or without a target date.

   Tip · This amount is subtracted from Safe to spend on the Dashboard and Budgets, so money you've already promised to your goals doesn't show up as available. Leave the field empty and we keep using the target date.

6. 6

   See what you can save

   Above the list, a banner compares what came in against what went out over the chosen period. If there is a surplus it tells you how much you can save; if there is not, it says there is no margin — no judgement, just what the numbers say.

   Tip · For the current month, the banner also shows a per-day suggestion and how many days are left in the month.

7. 7

   Follow your progress

   Each goal is a row with a progress ring and the percentage in its centre, the current amount against the target, and what is left. When you get there, the row earns an Achieved badge and turns green.

   Tip · Open a row's chevron for the full detail — target, current, remaining, progress, account, date, and pace — along with the edit, reorder, and remove actions.

8. 8

   Organise the list

   You can sort goals by Manual, Target date, or Progress. Under manual sorting, the move up and move down arrows inside each goal's details set the order.

   Tip · Hide completed takes what you have achieved out of view without deleting anything. The goals are still there when you show them again.

9. 9

   Record who contributed

   Under Contributors you can type names and amounts to split a shared goal — a family holiday, a joint present. Each contribution shows in the details with a bar for its share of the target.

   Tip · These names are text you type, not people invited into your space. They are for your own bookkeeping; they grant nobody access and send no invitations. To genuinely share, use space sharing.

10. 10

    Share where you stand

    The share button copies a summary of the goal to your clipboard — name, progress bar, current amount against target, and the list of contributions. Paste it wherever you like.

11. 11

    Use goals on mobile

    On mobile, the page has its own layout: the total saved across all goals sits in the coloured header, followed by the savings-margin banner, the button to create a goal, the sort/hide-completed controls, and the list. Every feature on desktop is present — advanced options, contributors, reordering, sharing, editing, and removing — only the layout changes.

    Tip · Tap a goal to open its details and find the edit, move, and remove actions.