Financial wellness Goals monthly management

The top-level Goals tab lets you decide how active goals affect the current month and how each saved goal should be tracked.

Goals are user-directed planning records. Including a goal this month, assigning an account balance, or linking a transaction does not move money, reserve funds, pay a bill, pay debt, or create a bank balance inside Naverica.

This Month

The This month view in Goals shows how active goals affect the current Budget.

This view may show:

• money left before goals;
• selected goal contribution total;
• money left after selected goals;
• how many goals have a one-month adjustment;
• which active goals are included or left out.

If there is no current Budget, you can still open Goals and manage saved goals. Naverica asks you to create this month’s Budget before goal contributions can be included for the month.

Including Or Excluding Goals

Use the checkbox beside each active goal to include or exclude it from this month.

You can also select:

• Include all active: include every active goal this month.
• Leave all out: remove active goal contributions from this month.

Leaving a goal out of this month does not delete the goal. It only keeps that goal’s contribution from counting against this month’s Budget.

Changing A Goal Contribution

Each goal row in Goals This month includes a contribution amount. You can save the amount in one of two ways:

• This month only: changes the amount for the current month without changing the ongoing goal rhythm.
• Ongoing contribution: updates the goal’s recurring contribution amount.

Use Use ongoing to remove a one-month adjustment and return to the saved recurring contribution amount.

If selected goal contributions exceed the money left this month, Naverica shows a warning. You can lower one or more contributions, leave a goal out of the month, or review the Budget categories before continuing.

Goal Filters

The Goals view includes filters so you can focus the list:

• Open: current active goals.
• Needs attention: goals that may need an adjustment.
• Completed: goals marked complete.
• Paused: goals temporarily stopped.
• Archived: goals hidden from regular active planning.
• All: every goal in the list.

Archived goals stay in history, but they are not treated as active monthly planning items.

Reading A Goal Card

A saved goal card can show:

• goal type, behavior, cadence, priority, and source;
• status and budget fit;
• progress toward the target amount;
• target date and projected completion date;
• this month’s contribution;
• ongoing contribution plan;
• planning basis;
• allocated amount and unallocated amount;
• linked contribution, spending, and debt-payment activity;
• stale connected-data warnings;
• status and affordability explanations.

Open View on a goal card to review allocations, linked activity, timeline history, and open tasks. Activity history and the goal timeline can be expanded or hidden so you can focus on the current goal details first.

Account Allocation

Account allocation lets you assign part of a connected account balance to a goal for tracking. It may help you remember which account balance you mentally associate with a goal.

An allocation includes:

• connected account;
• allocated amount;
• optional note.

Allocation does not transfer money, lock an account balance, prevent spending, or create a separate savings account. It is a label for planning only.

If an account is disconnected, stale, or missing a current balance, review the account connection before relying on allocation totals.

Linked Goal Activity

Linked goal activity can connect a visible transaction to a goal or record activity that happened outside a connected account. This can help explain goal progress, spending from a goal, or debt payoff activity without moving money.

A connected transaction link can be saved as:

• Contribution: money added toward a goal.
• Spend from goal: spending that used money planned for a goal.
• Debt payment: a payment associated with a debt payoff goal.

Each connected transaction link can include an amount, note, and budget treatment.

Manual activity can be used when the activity is not visible from a connected account or when you want to track an off-bank event. Manual activity can include:

• activity date;
• amount;
• activity type, such as contribution, spend from goal, or debt payment;
• source or note;
• whether it reduces goal progress or is tracked only.

Use manual activity for planning notes you recognize. It does not create a bank transaction, change a connected account, verify that money moved, or replace your official records.

Budget Treatment For Linked Transactions

Budget treatment controls how the linked transaction is interpreted in planning views:

• Increase category budget: increases the related category budget.
• No budget effect: tracks the link without changing budget calculations.
• Counts as contribution: treats the transaction as a goal contribution.
• Counts as expense: treats the transaction as spending.

You can also choose whether the transaction reduces goal progress. For example, a purchase from a savings goal may reduce progress, while a note-only link may be tracked without changing the saved amount.

Linked goal activity does not edit the original transaction at the bank. For category edits and pending transaction behavior, see Financial wellness transactions help.

Goal Timeline

The goal timeline shows recent goal activity such as:

• goal changes;
• check-ins;
• account allocations;
• connected transaction links;
• manual activity.

Use Show activity history to review linked transactions and manual activity. Use Show history to review goal changes, check-ins, allocations, and linked activity in the goal timeline. New goals may show an empty timeline until changes are made.

Goal Actions

Depending on the goal status, available actions may include:

• Pause: temporarily stop the goal from active planning.
• Resume: return a paused goal to active planning.
• Complete: mark the goal as complete.
• Archive: move the goal out of regular planning views.
• Done: complete an open task shown on the goal card.

Completing or archiving a goal does not move money. It changes how the goal appears in planning and history.

When To Contact Support

Contact in-app support if:

• a goal contribution will not save;
• a goal stays included or excluded after you change it;
• account allocation totals look incorrect after account sync;
• connected transaction activity cannot be added or removed;
• manual activity cannot be saved or removed;
• a paused, completed, or archived goal appears in the wrong filter;
• a goal action fails repeatedly.

Do not email account numbers, full transaction exports, screenshots with private transaction details, one-time codes, or identity documents.