Savings goals

A savings goal is a target with a name, an amount and a date: "€3,000 for the holidays before June", "a €6,000 emergency fund", "€800 for the new laptop". Cuéntamo keeps track of how much you have saved, how much is left, and the pace you would need to keep to get there on time. It is your digital piggy bank: you set the goal and the app shows you, at a glance, whether you are on track.

Progress is calculated with a contributions model: you start from whatever you had already saved (the starting balance) and, from there, the income that lands in the goal's account keeps adding up. We explain it in detail below. Goals live on this screen (under Planning) and also as a compact widget on the Home page.

Creating a goal

Click "New goal" at the top right. The first time, the screen is empty with a piggy 🐷 and a big button to get started. A form opens; once you save, the goal appears as a card with its progress ring.

You don't need to fill in everything: a name, a target amount and a deadline are enough for a working goal. The rest of the fields fine-tune how progress is measured.

The form, field by field

Name. How you recognise it ("Holidays", "Emergency fund", "Car"). Required.

Target amount. The sum you want to reach. Required.

Deadline. When you want to have it. Past dates aren't allowed. Required. With the amount and the date, Cuéntamo can already work out how much you'd need to set aside each month.

Savings account (optional). The account where you keep this goal's money. The dropdown only lists accounts of type Savings and Investment (see Accounts). If you link an account, progress is measured from the real income that lands in it; if you leave it blank, progress is calculated by adding up the movements you link to this goal by hand.

Starting balance (optional). What you already have saved towards this goal the day you create it. It's the starting point: contributions add on top of it. For example, if you already have €500 put aside, enter it here and the goal starts at 500 instead of zero.

Tag (optional, only shown once you pick an account). If you choose a tag, only the income carrying that tag counts as a contribution. This is how you keep several goals in the same account from mixing (see the next section). If you leave it on "All income of the account", everything that comes in counts.

Colour. Identifies the goal on the card and in the progress ring. Pick one from the palette or open the picker for a custom colour.

Icon (optional). An emoji (🏖️ 🏠 💰…) that decorates the card. Up to four characters.

Generate an automatic monthly contribution (only when creating, and only if you've set an amount and a date). We cover it in "The automatic monthly contribution".

How progress is measured (the contributions model)

Cuéntamo doesn't ask you to jot down "I saved X" by hand. The goal's balance is worked out automatically like this:

Current balance = starting balance + contributions.

Contributions are the real income (movements with a positive amount, including incoming transfers) in the account linked to the goal. Only confirmed (real) movements count, not forecast ones.

• With an account and no tag: all income landing in that account counts.
• With an account and a tag: only that account's income carrying the chosen tag counts.
• Without a linked account: the classic model applies: the sum of the movements you link to this goal by hand.

Because the balance is derived from real movements, every time you record or import income into the account, the goal moves forward on its own. Taking money out (an expense) does not subtract: the model adds up contributions, it doesn't compute the account's net balance. To reflect a withdrawal, the natural approach is for that money to leave as a movement and simply not come back in.

Several goals in the same account (tags and even split)

It's very common to have a single savings account with several targets inside it ("holidays", "car", "buffer"). Cuéntamo handles this with two mechanisms you can combine:

• Tagged goals. Each goal keeps only the income carrying its tag. Tag your contributions on the fly and every euro goes to its target. This is the most precise option.
• Untagged goals (even split). "Free" income —the income that doesn't carry the tag of any tagged goal in that account— is split evenly among all the active untagged goals of the account.

An example: in your "Savings" account you have the goal "Car" with the tag car and two untagged goals, "Holidays" and "Buffer". A €300 income tagged car goes entirely to "Car". A €200 income with no tag is split €100 and €100 between "Holidays" and "Buffer". Paused or completed goals don't take part in that split.

The automatic monthly contribution (linked recurring)

When you create a goal with an amount and a date, the checkbox "Generate an automatic monthly contribution" appears. If you tick it, Cuéntamo creates a monthly recurring movement for the amount you need to set aside each month to reach the target, and shows you live how much it will be ("A recurring movement of X/month will be created").

• If you picked a savings account, the recurring movement is generated as a transfer from your main account into it.
• If there is no account, it's created as a normal recurring movement.

That recurring movement stays linked to the goal. When it exists, the card and the detail show "Your contribution: X/month" instead of "You need X/month", because you already have a scheduled contribution. You can edit or delete it anytime from Recurring. Note: if you pause the goal, its recurring movement is paused too; and if you delete the goal, the linked recurring movement is deleted with it.

The goal cards

Each goal is a card with a stripe in its colour. Inside you see:

• The icon and name, plus a status badge when relevant: green "Completed" or grey "Paused".
• A progress ring with the percentage reached.
• The amounts: saved so far versus the target (for example "€1,200 / €3,000").
• The deadline and how many months are left.
• The monthly contribution: "You need X/month" to make it in time, or "Your contribution: X/month" if there's a linked recurring movement.
• The linked account, if any.

Below there are three buttons: edit , pause/resume (hidden on completed goals) and delete . Clicking the body of the card opens the detail panel. On narrow screens the cards switch to a compact version and stack into a single column.

The detail panel

Clicking a card opens a window with all the goal's information:

• A large progress ring and the amounts (saved / target), with "X left" underneath.
• Deadline and months remaining.
• Needed/month: what you'd have to contribute each month from now to reach the target.
• Current contribution: what the linked recurring movement contributes, normalised to monthly (if there is one).
• A on-track indicator: green "On track" when, at the current pace, you'll make it in time, or red "At this rate you'll get there on [estimated date]" when you'll overshoot the deadline. Only shown on active goals.
• The linked account.
• The recent contributions: the latest entries that added to the goal, with their description, date and amount.

The "Needed/month" and the estimated arrival recalculate on their own from what you've saved and from the scheduled contribution. To see your goals' impact on the overall balance, use the Forecast; to keep spending in check by category, use Budgets.

States: active, paused, completed and overdue

A goal can be in one of four states:

• Active. Running; it adds up contributions and takes part in the even split of its account.
• Paused. You park it temporarily. It drops out of the split and, if it has a linked recurring movement, that movement is paused too. Resume it anytime with the play button .
• Completed. Once it reaches 100%. It gets the green badge and the date it was completed is saved. Completed goals are grouped in a collapsible "Completed goals" section at the bottom of the list.
• Overdue. Its deadline arrived without being completed. These stand out in an amber notice at the top of the list, with their percentage and an "Extend deadline" link that opens the editor to set a new date.

Editing, pausing and deleting

Editing opens the same form to change name, amount, date, account, starting balance, tag, colour or icon. (The automatic contribution checkbox only appears when creating, not when editing.)

Pause/resume changes the state without losing anything. Remember that pausing also pauses the linked recurring movement, if any.

Deleting asks for confirmation. Removing the goal also deletes its linked recurring movement (if it has one) and clears the goal reference on any movements that were linked to it; those movements are not deleted, they simply stop counting towards the goal.