A budget is the plan. A goal is a named target with a date — something you want to hit, that BudgetLabs tracks against your actual numbers as they move.

Goals replaced the older Challenges tab. Old ?tab=challenges links redirect here automatically.

Four goal types

Debt payoff

Pay a specific debt account down to zero by a target date. The chart projects when your current pace gets you there vs. what monthly payment would land the on-track date you picked.

Savings target

Hit a specific dollar amount in a chosen savings account by a target date. Same chart shape — current pace vs. on-track contribution.

Emergency fund

Build a chosen savings account to N months of essential expenses. Pick the account, pick the months of coverage; BudgetLabs uses your actual monthly expenses to compute the target balance and updates it as your spending changes.

Net-worth target

Hit a whole-portfolio number (assets minus debt) by a target date. Trajectory is computed across every asset and debt account in the budget.

Create a goal

Go to Lab > Goals.
Tap New goal and pick a type.
For account-linked types (debt payoff, savings target, emergency fund), choose the account.
Set the target amount (or for emergency fund, the months of coverage) and the target date.
Save.

The goal appears on the Goals tab with a subtitle that names what it tracks (e.g. "Pay off Chase Sapphire", "Save in Emergency Fund").

Live trajectory chart

Tap a goal to open its detail drawer. You'll see:

Balance to date — the actual line of your account (or net worth) over time.
Current pace — where you'll land if today's contribution rate continues.
On-track — the line you'd need to follow to hit the target on the date.
What-if sliders — drag the monthly contribution and target horizon sliders to see what would change. The on-track line moves in real time so you can find a number that works.

Sliders are exploration only — they don't write to your budget. To make a change real, edit the underlying account's contribution amount or move the target date on the goal.

Manage and archive

Edit the target amount, target date, or linked account at any time on the goal's detail drawer.
Archive a goal you don't want to track anymore — the goal stays in the database (so you can see what you set out to do), but it disappears from the active list. Achievements are kept; archiving doesn't lose history.

A few practical examples

"Pay off the Chase Sapphire by December 1st."
"Hit $10,000 in the high-yield savings account by year end."
"Six months of expenses sitting in the emergency fund by next June."
"Net worth of $250,000 by my 35th birthday."

Assets and savings — for the accounts savings-target, emergency-fund, and net-worth goals track.
Debt tracker — for the accounts debt-payoff goals track.
Lab — Insights — the action layer surfaces goal progress and warnings.