Goals that hold

Goals get a locked bucket of their own.

A goal in TrackAm is not a number on a screen — it is a real container that protects money against impulse. Your spendable balance and your saved-for balance stay clearly separate, so the rent fund stays the rent fund.

Setting up a goal in onboarding

Protected

"Spendable balance: £642. Locked for goals: £800. Total balance: £1,442."

Forecast

"At current pace this goal arrives two weeks after the deadline."

Honest

"You are about to spend below your locked balance. This decision will breach a goal."

Auto-contributions on the schedule you choose

Pick a cadence — weekly, biweekly, monthly, or custom days. TrackAm will quietly move funds from a source bucket into the goal bucket on schedule. Stop, restart, or adjust at any time.

  • Every contribution shows up in the audit so you can trace it.
  • Sacrifice Simulation can model what cutting a habit does to the timeline.
  • A clear spendable-vs-locked split protects you from accidentally raiding the goal.

Goals are honest about whether they will land

If your current behaviour cannot sustain the deadline, Stingy AI says so — calmly, with the gap measured in weeks and a specific suggestion. Goals here are not aspirational stickers; they are commitments measured against your behaviour.

Next feature

Sacrifice simulation

Test a small behaviour change and see exactly how a goal's timing shifts.

Continue

Back to overview

See every feature

Browse the full set of behavioural-finance modules inside TrackAm.

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