What are Goals, and how do I use them?

You can use Goals to set money aside (so it's hidden from your Safe-to-Spend) while keeping it handy when you need it.

Goals are a pretty customizable feature, and there are a lot of ways to use them. You can set money aside instantly, or save over time. You can easily move money in and out, and you can even make it so certain types of transactions are automatically spent from a Goal.

You can also set up a Protected Goal to help save. Unlike Goals, a Protected Goal account is a separate account that stashes money away from your available balance and Safe-to-Spend.

Lots of folks use Goals to set some money aside when they know they'll need it later, or to save up for once-in-a-lifetime expenses like a big trip, creating a business, or buying a house.

Goals and your available balance

Goals are essentially a visual record-keeping and labeling system; putting funds in a Goal removes them from your Safe-to-Spend, but they're still included in your available balance, and you can still use them to make purchases.

One notable exception to this is Protected Goal accounts. the funds in a Protected Goal aren't included in your available balance, and money is not automatically transferred from your Protected Goals to your available balance to cover a transaction.

Overspent Goals

Since Goals are included in your available balance, it is possible for them to be overspent. Once your Safe-to-Spend gets to $0, any further spending will be covered by your (non Protected) Goals balance. When this happens, a banner will pop up to notify you that your Goals are overspent. (You'll see the banner after logging in on the web, or on the Goals tab of the mobile app.) To settle up, you can spend from a Goal or transfer money out of your Goals.

info iconReady to get started with Goals? Check out these other Goals articles to learn how!

Making a Goal Saving With Goals

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