How goals work

Open the More menu from the tray and tap Goals. The screen is a plain list in three sections — Emergency Fund, Savings, and Debt Paydown — where each goal is one row: its emoji, its name, a chevron. Every number lives one tap in, so the list stays scannable.

The top row is your emergency fund, and it works a little differently: Carlo sizes its target for you from your monthly expenses rather than asking you to pick an amount. Each section below it ends with a ＋ Add a savings goal or ＋ Add a debt row, and completed goals collect in a collapsible section at the bottom.

Tap a row to open the goal. That's where everything is: your balance, the target, your monthly contribution, a progress bar, and a one-word pace status — Ahead, On track, or Behind. Pace compares what you've actually put in against what you should have put in by today to land on target on time. It is the whole reason a goal has a timeline.

Below the stats sit two tabs. Transactions is the full contribution history, and it's where you log a new one: tap Add to goal for savings and the emergency fund, or Add payment for a debt. Edit is where you change the target, the timeline, the name, and the color.

If a goal's end date passes without reaching the target, its screen offers to extend the timeline or close it out. To retire one early, open the Edit tab and tap Archive Goal. It leaves the active list with its full history intact, and turns up under Archived & Dissolved at the bottom of the Goals screen, where you can delete it for good if you don't want the record.

There's one more option for a savings goal you've outgrown: Dissolve & Redirect, also on the Edit tab. Pick another savings goal or a year coin, and Carlo moves the whole balance there and archives the original. That one is permanent, so it asks you to confirm first.

When a savings goal reaches its target it becomes a goal coin among your year coins — a spending coin holding exactly what you saved, ready to spend down. It has its own fill color so it stands out, and you spend against it by choosing the GOALS section as you log a transaction. A goal coin keeps its balance until you have spent it all, never resets at year end, and stays out of the year pace total, because that money is already saved rather than budgeted. Debt goals and the emergency fund don't do this; there's nothing to spend.