Add a financial goal

Goals are what ClarityTrack steers by - every answer keys off your goal, and Clarity invites you to set one the first time you show up without one. Tell Clarity what you're working toward in plain language ("pay off my cards by June," "save a $10K emergency fund," "keep my spending under $4,000 a month") and it proposes the matching goal type. You can also add one from the Plan tab.

The six goal types

• Pay Off All Debt (debt_payoff) - a monthly payoff commitment and a debt-free date across everything you owe.
• Pay Off a Specific Debt (single_debt) - one named debt with its own target payoff date.
• Financial Independence (financial_independence) - a net worth target and a projected path to it.
• Investment Mix (investment_mix) - a portfolio value target, tracked against your connected brokerage holdings.
• Spending Control (spending_control) - a monthly spending cap; Clarity tracks your pace against the days elapsed in the month.
• Savings Target (savings_target) - an amount to save (emergency fund, a down payment, anything), tracked against your connected checking and savings balances.

How to do it

1. Tell Clarity what you're aiming for, or say "help me set a goal."
2. Clarity asks one clarifying question if the type is ambiguous (e.g. "is this for all your debt, or just one card?").
3. Clarity previews the goal - type, target, and date if you gave one.
4. Confirm to save. It shows up immediately with live progress.

You can also add a goal from the Plan tab (My Goals > Add Goal), which walks through the same six types with a form.

How progress is tracked

Each goal type computes progress from your real, connected data - debt balances, bank balances, spending this month, or portfolio value, depending on the type. No manual progress updates are needed; it recalculates every time you ask.

Common questions

Can I track multiple goals at once?

Yes, no limit. Clarity's greeting and answers key off your most recently created active goal.

What if I don't want a goal?

Tell Clarity you'd rather not set one right now. It won't ask again in that conversation, and you can always start one later by asking.

What if none of the six types fit what I actually want to track?

Tell Clarity anyway - describe what you're trying to do, in your own words. Clarity maps your intent to the closest type (a spending question usually means Spending Control; a lump-sum target usually means Savings Target).

Can Clarity help me set a realistic target?

Yes. Ask "what emergency fund should I aim for" or "when could I hit financial independence at my current pace," and Clarity runs the math against your real data before proposing a number.