Financial wellness Goals overview and creation

The Financial Wellness Goals tab helps you set planning targets, review suggested contribution timing, and decide which goals should be included this month.

Goals are planning records only. Naverica does not move money, hold funds, reserve account balances, pay debt, guarantee savings, or provide personalized financial advice through this section.

Goals Layout

The top-level Goals tab is split into focused views:

• Overview: goal fit, emergency cushion recommendations, and high-level readiness.
• Goals: your saved goals, filters, details, allocations, linked activity, manual activity, and goal actions.
• This month: which active goals are included for the current month.
• Check-ins: goal review prompts, suggested prompts, and reminder settings.
• Tools: advance buffer planning signals and the debt payoff simulator.

Start with Overview when you want to understand whether current goals fit the month. Use Goals when you need to create, pause, complete, archive, or review a specific goal.

Goal Fit

Goal fit compares active goal contributions with the current Budget and available planning data. It may show:

• suggested contribution amount for this month;
• goals included or excluded this month;
• money left after essentials, debt, savings, and planned goal contributions;
• goals that need attention;
• active and completed goal counts.

The fit status can be Fits plan, Tight, Not supported, or Unknown. These labels are planning prompts, not approvals or financial advice. If connected-account data is stale or the current Budget is missing, Naverica may not have enough information to calculate a useful fit.

Emergency Cushion Recommendations

The Overview section may show an emergency cushion recommendation. This compares available planning signals with possible milestones such as a starter buffer, one expected income deposit, or one month of essentials.

Emergency cushion details may include:

• current cushion estimate;
• estimated monthly essentials;
• recent monthly spending;
• one income deposit estimate;
• recommended target;
• suggested monthly contribution;
• recommended actions.

Select Use milestone or Review milestone to start from one of the recommended targets. The recommendation is for planning and awareness only. It does not create a bank account, open a savings product, move money, or guarantee that a specific cushion amount is appropriate for every situation.

Goal Templates

When you create a goal, Naverica starts with a template. Templates help set sensible labels and defaults, but you can adjust the details before saving.

Available templates include:

• Emergency cushion: build a small cash buffer before unexpected expenses.
• Upcoming bill: plan toward a specific bill or short-term payment.
• Debt payoff: set a contribution rhythm for paying down a balance.
• Savings target: save for a planned purchase, move, or milestone.
• Advance buffer: maintain a conservative planning buffer for advance readiness.
• Custom: create a goal with your own name, amount, and timing.

Advance buffer goals estimate planning signals only. They do not guarantee cash advance eligibility, approval, funding, or terms.

Creating A Goal

To create a goal:

1. Open Financial Wellness.
2. Select Goals.
3. Open the Goals view.
4. Select Create goal.
5. Choose a template.
6. Enter the goal details and goal settings.
7. Select Preview goal.
8. Review the preview.
9. Select Create goal.

The goal is saved only after the preview step is completed and you confirm creation.

Goal Details

The goal setup form may ask for:

• Goal name: the label shown in Goals.
• Target amount: the amount you are planning toward.
• Saved so far: the progress amount you want to start with.
• Target date: the date you want to plan around, when applicable.
• Cadence: weekly, every two weeks, monthly, custom, or no recurring cadence.
• Goal behavior: save up, pay down, or checklist.
• Goal spending: whether spending from the goal reduces progress or is tracked only.
• Priority: a planning priority from highest to flexible.
• Try contribution: an optional contribution amount to preview.

If Saved so far is greater than the target amount, Naverica asks you to correct the amounts before previewing the goal.

Previewing A Goal

The preview estimates how the goal may fit before it is saved. Depending on the details entered, the preview may show:

• suggested contribution amount;
• projected completion date;
• projected shortfall by the target date;
• whether the goal appears to fit the current Budget;
• money left this month;
• stale connected-data warnings;
• a short explanation of the calculation basis.

If you enter your own contribution amount, the preview uses that amount. If you leave the contribution blank, Naverica suggests one based on the target amount, current amount, cadence, and target date.

Why A Preview May Look Different Later

Goal previews depend on current information. A saved goal may change over time when:

• connected transactions sync;
• a monthly Budget is created or edited;
• a goal is included or excluded from this month;
• a one-month contribution override is added;
• account allocations, transaction links, or manual activity are changed;
• a check-in updates the goal status;
• connected data becomes stale.

For Budget details, see Financial wellness Budget overview and check-ins. For transaction details, see Financial wellness transactions help.

When To Contact Support

Contact in-app support if:

• the goal creation dialog does not open;
• a goal cannot be previewed even after required fields are complete;
• a created goal does not appear in the Goals list;
• goal fit does not update after the Budget or connected data changes;
• a stale-data warning remains after reconnecting or refreshing accounts.

Do not send bank credentials, full account numbers, identity documents, one-time codes, or screenshots containing private account or transaction details by email.