Financial Goals in SavePoint

💰 Saving Goals

Build money toward a target amount. Set $5,000 emergency fund target - when you've allocated $2,500 from various transactions, your progress ring shows 50% complete.

How to use: After creating a saving goal, set up rules to define what counts toward the goal (category rules, account balance rules, or advanced rules). Goals update automatically based on your transactions or daily account balances. You can also use the Goal Journal to manually adjust allocations to ensure only a specific amount counts toward a goal.

• Progress calculation: Current amount saved ÷ target amount × 100%
• Account balance tracking: Link a savings account to automatically track its balance as progress. Each day's balance becomes a data point in your timeline chart
• Category-based tracking: Set category rules (e.g., all "Freelance Income" transactions) to automatically allocate matching transactions to this goal
• Advanced rules: Allocate a percentage of matching transactions (e.g., 10% of all income), fixed amount per transaction, or round-up spare change
• Timeline chart: See your savings grow over time with daily account balance snapshots or cumulative transaction allocations
• Manual adjustments: Use Goal Journal to change allocation amounts or reallocate specific transactions
• Example uses: Track dedicated savings account balance (checking → savings transfers), accumulate side income for vacation, pool bonuses for home down payment

💳 Debt Paydown Goals

Track debt elimination progress. Start with $8,500 credit card debt, set target to pay off full amount. When you've paid it down to $6,000, you've eliminated $2,500 - that's 29% progress toward your payoff goal.

How to use: Create the goal with your current debt balance as starting amount. Link the goal to your debt account for automatic updates, or manually allocate payment transactions to track progress toward elimination.

• Progress calculation: (Starting debt balance - current debt balance) ÷ target paydown amount × 100%
• Account balance tracking: Link your debt account (credit card, loan, etc.) to automatically track the decreasing balance. Each day's balance is recorded in your timeline chart showing debt reduction over time
• Payment transaction tracking: Set category rules (e.g., "Credit Card Payment" category) to track cumulative payments toward the goal without linking an account
• Initial balance entry: Enter your starting debt amount when creating the goal so SavePoint can calculate how much you've paid down
• Timeline visualization: Chart shows your debt balance decreasing over time (account rules) or cumulative payments increasing (category rules)
• Mixed tracking warning: Using both account rules and category rules on the same debt goal can cause confusion. Choose one method for cleaner tracking
• Example uses: Track credit card balance going from $8,500 to $0, monitor student loan paydown, mortgage principal reduction

🛡️ Spending Goals

Control spending by setting category limits. Set $400 monthly dining out limit and SavePoint tracks how much you've spent toward that limit. When you've spent $280 (70% of your limit), the progress ring shows 70%. If you spend $400 or more, the ring shows 100%+.

How to use: Set spending limit for any category (like "Dining Out" or "Entertainment"). SavePoint automatically tracks all transactions in that category toward your limit. Monitor progress to stay on budget.

• Progress calculation: Cumulative spending ÷ spending limit × 100%
• Category-based tracking: Set category rules (e.g., "Dining Out" category) and all matching expense transactions automatically count toward your limit
• Advanced rules: Can also use percentage rules, fixed amounts, or keyword filters to control what transactions count
• Timeline chart: See cumulative spending increase over time. Prioritizes category/advanced rules over account rules
• Progress ring colors: Ring color changes based on percentage used (gray at 0-24%, yellow at 25-49%, light blue at 50-74%, blue at 75-99%, green at 100%+)
• Over-budget tracking: If you go over your limit, the goal shows how much you're over and the percentage over 100%
• Example uses: Limit dining out spending to $400/month, cap entertainment at $150/month, control shopping impulses with $300 monthly limit

📋 Habit Goals

Track non-financial activities like exercise or reading. Set target of 20 workouts this month - when you've logged 7 workouts, progress ring shows 58% complete toward your fitness goal.

How to use: Create habit goal with target number and custom units ("workouts," "books," "miles"). Click the goal card to log completed activities with date and count. Progress updates immediately.

• Progress calculation: Cumulative logged units ÷ target units × 100%
• Manual logging: Click the goal card to open logging modal. Enter date and number of units completed (e.g., 3 workouts, 2 books)
• Transaction-based tracking: Can also set up category rules to automatically count transactions as units (e.g., count "Gym Visit" transactions)
• Custom unit labels: Define your own unit name like "workouts," "books," "miles," "sessions," or "days"
• Timeline chart: Shows cumulative units over time from both manual entries and transaction allocations
• Entry management: View and delete habit entries in the goal detail modal's Activity Log
• Example uses: Track 30 workouts this month, read 12 books this year, meditate 100 days, practice instrument 50 sessions

📂 Category Rules

Category rules automatically allocate transactions that match specific categories to your goal.

• Include categories: All transactions in the selected category automatically count toward the goal (e.g., include "Freelance Income" for a vacation savings goal)
• Exclude categories: Prevent specific categories from counting (e.g., exclude "Groceries" from a general "Food" spending limit)
• Full transaction allocation: The entire transaction amount is allocated to the goal
• Best for: Spending goals (limit dining out), savings goals (save all freelance income), debt goals (track all "Credit Card Payment" transactions)
• Timeline display: Shows cumulative allocations over time as transactions occur

🏦 Account Rules

Account rules track the daily balance of a specific account as goal progress.

• Balance tracking: SavePoint records the account's balance each day and uses it as the goal's current progress
• Automatic updates: Every time you update the account balance on the Balance Sheet, the goal progress updates automatically
• One account per goal: Each goal can track one account's balance
• Best for: Savings goals (track dedicated savings account balance), debt goals (track decreasing credit card/loan balance)
• Timeline display: Shows daily balance snapshots over time, creating a smooth line chart of account balance changes
• Priority: For savings and debt goals, account rules take priority over category rules in timeline charts

⚡ Advanced Rules

Advanced rules allocate partial amounts or use conditions to control what counts toward goals.

• Percentage of transactions: Allocate a percentage of matching transactions (e.g., save 10% of all income transactions, or 50% of bonus income)
• Fixed amount per transaction: Allocate the same fixed amount regardless of transaction size (e.g., $5 from each paycheck)
• Round-up spare change: Round each transaction up to the nearest dollar and allocate the difference (e.g., $3.47 purchase rounds to $4.00, allocates $0.53)
• Optional category filter: Apply the rule only to transactions in a specific category
• Optional keyword filter: Apply the rule only to transactions with specific words in the description (e.g., "Bonus" or "Freelance")
• Best for: Flexible savings strategies (save percentage of income), automated micro-savings (round-up rules), conditional allocations
• Timeline display: Shows cumulative partial allocations over time

🔄 Rule Type Recommendations

• Savings goals: Use account rules to track a dedicated savings account, OR use category rules to track income categories you want to save
• Debt goals: Use account rules to track decreasing debt balance, OR use category rules to track payment transactions. Don't mix both
• Spending goals: Use category rules to track spending in specific categories. Account rules won't work well for spending limits
• Habit goals: Can use category rules if you have transaction-based habits (e.g., "Gym Visit" transactions), but most habits use manual logging instead
• Multiple rules per goal: You can add multiple category rules or advanced rules to the same goal. For example, save 10% of "Salary" + 50% of "Bonus"
• Mixed rule types: Mixing account rules with category rules on the same goal can cause confusion in timeline displays. Choose one approach

📊 Progress Rings

• Percentage display: Circular progress ring showing completion percentage in the center
• Color coding: Color changes based on progress level (low/medium/high completion)
• Amount display: Shows current amount, target amount, and remaining amount below the ring
• Automatic updates: Updates when new transactions match your rules or when account balances change

📈 Timeline Charts

• Data source varies by rule type: Account rules show daily balance snapshots, category rules show cumulative transaction allocations over time
• Date-based x-axis: Chart plots your progress chronologically from start to target date
• Target line: Horizontal line shows your target amount for visual reference
• Hover tooltips: Hover over data points to see exact date and amount values
• Trend analysis: Identify progress patterns

🎉 Goal Achievement

When a goal reaches 100% progress, SavePoint marks it as achieved and shows a completion modal.

• Achievement modal: Modal displays with confetti animation (100 colored confetti pieces falling across the screen) and congratulations message
• Modal buttons: "Awesome!" button to close modal, "Save Achievement" button to download certificate
• Certificate generation: Clicking Save Achievement generates a PNG certificate image matching your current theme (dark, light, modern, or mainframe) and downloads it to your Downloads folder
• Certificate content: Shows goal name, goal type, target amount, achievement date, and duration (how long it took to complete)
• Achieved status: Goal card shows "Achieved" badge with trophy icon and achievement date. Goal is excluded from allocation dialogs (can't allocate more transactions to completed goals)
• Achievement date: Permanently recorded in the goal data. Displayed on goal card and in goal detail modal

🔍 Filters & Sorting

• Goal Type filter: Show all goals or filter to Spending, Saving, Debt, or Habit goals only
• Sort By dropdown: Sort by Custom Order (drag-and-drop), Date Created, Progress %, Target Amount, or Name (A-Z)
• Show dropdown: Choose number of goals to display per page (10, 25, 50, or All)
• Include Archived Goals checkbox: Check to show archived goals in the list (archived goals are dimmed)

📤 Export Goals

• CSV export: Click Export button to download all goals as CSV file
• Exported data: Includes goal name, type, status, target amount, current amount, progress percentage, start date, target date, and allocation scope
• Opens in spreadsheet: CSV file opens in Excel, Google Sheets, or any spreadsheet program

🎯 Goal Cards

• Progress ring: Circular ring showing percentage complete with color coding
• Emoji & name: Goal icon and name at the top
• Amount display: Shows current amount, target amount, and remaining amount
• Background image: Displays uploaded background image if set
• Recurring badge: Shows pattern (Weekly, Monthly, etc.) for recurring goals
• Target date: Displays deadline below amounts
• Click to view details: Click any goal card to open the detail modal

📝 Editing Goals

• Edit button: Opens the same 4-step wizard used for creation, pre-filled with current values
• Editable fields: All fields can be changed (name, target, dates, rules, allocation scope, etc.)
• Add/remove rules: Modify tracking rules in Step 3
• Save changes: Click "Update Goal" to save. Progress recalculates based on new rules

🗑️ Deleting Goals

• Delete button: Located in goal detail modal footer (red button)
• Confirmation required: SavePoint asks you to confirm deletion
• What gets deleted: Goal and all its rules are deleted. Transaction allocations are removed
• Transactions remain: Your transactions are not deleted, only the goal tracking data is removed

📊 Goal Detail Modal

Clicking a goal card opens a modal with three tabs:

• Progress Tab: Shows timeline chart with progress history, target line, and hover tooltips for exact dates/amounts
• Details Tab: Displays all goal settings (type, target, dates, currency, allocation scope, rules)
• Activity Log Tab (habit goals only): Lists all manually logged habit entries with dates and counts. Click entries to delete them
• Edit/Delete buttons: Located in modal footer for quick access

📋 Logging Habit Activities

• Log Activity button: Appears at top of habit goal detail modal
• Logging modal: Enter date and number of units completed (e.g., "3 workouts on 2025-01-15")
• Quick increment: Or click "Log 1 Today" button to quickly log a single unit for today
• Immediate update: Progress ring updates as soon as you save the entry
• View entries: Activity Log tab shows all logged entries with edit/delete options

📖 Goal Journal (Allocation Journal)

The Journal tab displays all transactions that have been allocated to goals based on your rules or manual allocations.

• Summary cards: Shows Total Allocated (sum of all allocations), Total Transactions (number of allocated transactions), Avg. Allocation (average percentage allocated), and Over-allocated count
• Date range filter: Choose Last Week, Last Month, Last 3 Months, Last 6 Months, Last 12 Months, Last Year, Last Three Years, All Time, or Custom Range
• Goal filter: View allocations for all goals or filter to a specific goal
• Allocation status filter: Filter for Under-allocated (<100%), Fully allocated (100%), or Over-allocated (>100%) transactions
• Bulk Actions button: Select multiple transactions and choose: Clear All Allocations, Reallocate to Goal, Split Evenly Among Goals, or Fix Over-allocations
• Goal color legend: Shows which color represents each goal for easy identification in the table

📋 Journal Table

Each row shows one transaction with its allocation details:

• Checkbox column: Select transactions for bulk actions. Use "Select All" checkbox in header to select all visible transactions
• Date: Transaction posted date (when the transaction occurred, not when it was allocated)
• Description: Transaction description and category name
• Amount: Transaction amount in base currency (with currency indicator if converted)
• Allocation: Shows which goal(s) received allocations with color-coded badges and allocated amounts
• Percentage: What percentage of the transaction amount has been allocated (can exceed 100%)
• Actions: Edit button to modify allocation amounts for this transaction

✏️ Manual Allocation Adjustments

Click the Edit button on any transaction to adjust how much of that transaction counts toward goals:

• Transaction info: Modal shows transaction description, amount, date, and category
• Current allocations: Displays existing allocations and total percentage already allocated
• Select goal: Choose which goal to allocate to (only shows eligible goals based on category restrictions)
• Allocation amount: Enter dollar amount to allocate. Use "Max Available" button to allocate the remaining unallocated amount
• Over-allocation warning: Shows warning if your allocation would exceed 100% of the transaction amount
• Save allocation: Updates the goal progress immediately

🔧 Bulk Allocation Actions

Select multiple transactions using checkboxes and click Bulk Actions to:

• Clear All Allocations: Removes all allocations from selected transactions (doesn't delete the transactions themselves)
• Reallocate to Goal: Clears existing allocations and reallocates selected transactions to a different goal
• Split Evenly Among Goals: Divides each transaction's amount evenly among multiple goals
• Fix Over-allocations: Automatically adjusts allocations on over-allocated transactions to bring them back to 100%

⚠️ Allocation Status Indicators

The percentage column shows allocation status:

• Under-allocated (<100%): Transaction is partially allocated. More could be allocated to goals if desired
• Fully allocated (100%): Entire transaction amount has been allocated to goals
• Over-allocated (>100%): Total allocations exceed the transaction amount. This happens when you allocate the same transaction to multiple goals and the sum exceeds 100%
• Why over-allocation matters: Over-allocation is allowed but flagged because it means you're counting the same dollar multiple times toward different goals

🔄 How Allocations Update

• Automatic from rules: When you add or edit a transaction that matches a goal's rules, SavePoint automatically creates allocations in the Journal
• Account balance rules: When you update an account balance on the Balance Sheet and that account is linked to a goal via account rules, a balance snapshot allocation appears in the Journal
• Manual additions: Use the Edit button in the Journal to manually allocate transactions that weren't automatically allocated
• Recalculation: Click the Refresh button in the Journal to force SavePoint to recalculate all allocations based on current rules
• Goal progress updates: Any change to allocations (automatic or manual) immediately updates the goal's progress ring and timeline chart

💡 Journal Use Cases

• Review allocations: Check which transactions have contributed to each goal over time
• Fix over-allocations: Find and fix transactions where total allocations exceed 100%
• Adjust rule results: If a rule allocated too much or too little, manually adjust individual transactions
• Reallocate after goal changes: If you change your goals mid-month, reallocate past transactions to the new goals
• Export for analysis: Use the Export button to download allocation data as CSV for spreadsheet analysis