Financial Goal Tracker with progress you can trust

Static goal apps ask you to update current amounts manually. Capitallytics ties goals to the same savings and income you already track.

That means progress reflects reality — and Personal CFO can suggest whether cash flow supports the timeline.

Start from a template: Buy House, Buy Car, Vacation, Emergency Fund, Wedding, Retirement, Education or a Custom Goal. Give it a target amount and, if you like, your own title.

Then choose where the saved amount comes from. A goal can read “My cash and savings”, “My investments”, “My retirement accounts” or “My total net worth” straight from your Personal workspace, so it moves when those balances move. Or pick “I’ll enter this myself” and update the saved amount by hand. Emergency funds default to cash and retirement goals to retirement accounts; everything else starts manual, so a goal never quietly claims money that is earmarked for something else.

Projections use your real monthly surplus: take-home income minus expenses minus loan EMIs, the same cash-flow figure shown across the Personal workspace. The remaining amount is divided by that surplus and rounded up to whole months.

Each goal is projected on its own, as if the full surplus went to it, so the date is a best case rather than a plan that splits money between goals. If your monthly cash flow is negative, or the projection runs past 40 years, Capitallytics shows no date instead of a misleading one. Each goal card also shows how many months sooner you would finish by saving 20% more of your surplus.

If you have no emergency-fund goal yet and Capitallytics knows your monthly spending, it suggests one sized at three months of expenses. Savings buckets that already have a target can be turned into goals with one click. You can accept or dismiss each suggestion; nothing is created without you.