Add a financial goal

Goals are explicit targets ClarityTrack tracks for you: an emergency fund, a savings target, a debt-free date, a financial independence number. To add one, open the Plan tab, scroll to Goals, and click Add Goal. Pick a goal type, set the target, and save.

How to do it

1. From the Dashboard, click the Plan tab.
2. Scroll to the Goals section.
3. Click Add Goal.
4. Choose a goal type. Common types:
   • Emergency Fund (savings target with a months-of-expenses calculation)
   • Debt-Free By (a target date for paying off all debts)
   • Net Worth Target (specific dollar amount)
   • Financial Independence (FI number, typically 25x annual expenses)
   • Custom (any other target you want to track)
5. Set the target amount and target date.
6. Optional: link the goal to specific debts or accounts.
7. Click Save.

How progress is tracked

ClarityTrack updates goal progress automatically based on:

• Your debt balances (declining = closer to debt-free goals)
• Your bank balances (rising = closer to savings goals)
• Your monthly net worth (across debts + bank + investments)

The Goals section shows progress as a percentage, the headline number you care about, and whether you are on track for your target date.

Common questions

Can I track multiple goals at once?

Yes. There is no limit. The Goals section ranks them by progress and target date.

What if a goal is no longer relevant?

Edit the goal and either change the target or delete it entirely. Deleting a goal removes its history.

Can Clarity help me set a realistic goal?

Yes. Ask Clarity something like "what emergency fund target should I aim for" or "when could I reach financial independence at my current pace." Clarity will run the math against your real data and propose a target you can save.