Step 01
Step 1
Pick a goal type (emergency fund, home down-payment, debt payoff) and a target amount.
Money & BankingRetail
Savings & debt-payoff goals.
Set a savings target or a debt-payoff goal — see progress and a P10-P90 forecast band.
The problem
Why this exists.
Goal-tracking apps that show a single point projection turn missed targets into distress events on the wrong day.
Real savings need a forecast that shows the range of likely outcomes, not a fragile certainty.
How it works · 3 steps
From input to outcome.
- Step 02
Step 2
See your P10-P90 forecast band update as transactions land.
- Step 03
Step 3
Get a gentle banner when you fall below the P10 band — never a streak guilt-trip.
Under the hood
The models and routes behind it.
Models called
API routes
- GET /api/v1/goals
Compliance posture
- P10-P90 bands instead of point predictions — missing one band-day is recoverable.
- No streaks, no leaderboards — loss-aversion mechanics are documented gambling patterns.
- DPDP §6 — goals are local to your account; export and erase available under dpdp-consent.
What it's not
Goals are forecasting and reminders, not financial advice. We do not tell you which mutual fund to buy.
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