Goals: Set a project for your finances on Finary
Goals is where you set your financial projects and automatically track their progress. Finary calculates the required return and alerts you if an adjustment is needed.
Why Goals?
"Buy an apartment in 5 years. Retire early. Take a career break." Most of us carry projects like these in our heads - without a number, a deadline, or a way to know if we're on track. Goals gives your plans a form: a required return, a timeline, and a live status that updates as your wealth evolves.
In your feedback on the community, we kept seeing the same pattern: spreadsheets to track financial goals, objectives that were never achieved because they were never tracked. Your wealth was visible in Finary. Your target wasn't.
Goals replace Predict
Some of you know Predict, our previous planning feature. Predict let you simulate your trajectory towards financial independence using Monte Carlo simulations.
It was a first step - but limited to a single type of goal, and not very granular.
Goals go much further. They cover all your life projects. If you had Predict configured, your plan was automatically converted into a Goal when we launched. No action needed on your part.
Goals
How it works
From the app, create a goal in seconds. You can choose from a list of preset projects:
- Safety Net
- Secure my down-payment
- Be financially independent
- Retire comfortably
- Fund my kid's education
- Buy a new car
- Plan my wedding
- Go on vacation
- Build savings
You can also define a fully custom goal, with the amount and timeline that suit you.
In the free version, you can create up to 2 goals. The subscription removes this limit: the number of goals is unlimited.
You then assign the accounts contributing to each goal - investment accounts, life insurance, savings accounts, securities accounts... Your progress is calculated based on these real assets, not a theoretical estimate.
If you use family mode, you can associate a family member's accounts with a shared goal. Each member defines their contribution, and progress is calculated across all of them.
Finary deduces the annual return rate needed to reach your target, based on what you already have and your contribution pace. No manual entry: the calculation is done automatically.
To make it concrete: you create a "Retire comfortably" goal with €500,000 to reach in 20 years. You have €35,000 invested today and contribute €500 per month. Finary calculates the required annual return and shows you an immediate status. If the trajectory falters (tough market, pause in contributions), the app suggests adjustments: contribute a bit more each month, push the timeline back, or revise the target amount. The target doesn't disappear, it adapts.
Each goal shows its real-time status. There are four:
- Overshooting: your progress is ahead of the required trajectory
- On track: you're progressing as planned
- Challenging: the required return exceeds a realistic threshold - adjustment levers are suggested
- Completed: goal achieved
The Safety Net works differently: it measures how many months of expenses you can cover with your current liquid assets. No return rate, no timeline - just a clear answer: protected or not, and to what extent.
Available on mobile, coming soon to desktop
This is just the beginning. The web version is coming very soon, and we're already working on new goal types and even more detailed projections.
Your feedback matters: join the conversation on the community.
