Goals

A goal is an envelope for a one-off project: a deposit, a car, a holiday. It holds a target amount, a date, and the accounts whose balances count towards it.

Goals live at /objectifs, under Goals in the navigation. The screen has two halves: Your base, which is the safety cushion covered by Your safety net, and Your projects below it.

Create a goal

1. New goal, beside the section heading. With no goal yet, the empty state offers three ready names instead (Secure a deposit, Buy a car, Plan a holiday), and picking one opens the same form with the name filled in.

2. Icon and name. Twenty icons behind the square to the left of the name field.

3. Target amount.

4. Horizon, on a single slider: one month to twenty-four months, then three to thirty years. The date it lands on is printed under the handle as you drag.

5. Regular contribution (optional): an amount and a frequency, per week, month, quarter or year. Enter both or neither: an amount with no rhythm cannot be projected, and the form refuses the half.

6. Linked assets, covered below.

7. Save. The button stays disabled until the name and the target amount are both filled.

Linked assets, and the one rule

The Linked assets list in that form is the only place an account is attached to a goal. Nothing on an account’s own page links it to anything.

It ticks every account you hold except a loan: a passbook, a PEA, a wallet, crowdlending and a life-insurance contract are all accepted, because a goal is funded by a balance, and a debt’s balance subtracts. Archived accounts are left out.

An account funds one goal at a time

An account already linked elsewhere is still listed, named with the goal holding it (“Already linked to Buy a car”, or “Already linked to your safety cushion”), and it offers Move it here. Ticking it moves it: the goal that held it loses it, with no second confirmation. This is what makes “gathered” on each card a plain sum of its accounts rather than the same euro counted twice.

What the card then says

Each goal shows what its accounts hold against the target, a percentage, and a standing: Running, Goal reached, Past its date, or No date. With a contribution entered, it adds the month the target would be met: “At this rhythm… This adds up your contributions and nothing else: no return is assumed.”

Link no account and the card can only read “No account linked” and 0 %. Gathered across all your goals, beside the section heading, totals every linked account once.

Deleting a goal erases the goal alone: “Your accounts and their balances do not move.”