Savings goals

A goal tracks a savings project: a down payment, a trip, an emergency cushion. You give it a name, a target amount and an account; Arca shows progress based on that account’s real balance.

The page lives under More → Goals.

Goal ≠ envelope target

Both exist, and they do different jobs — this is the most common mix-up:

• An envelope target (Budget page) says how much to assign this month to a category: “€480 a month for Groceries”. It drives monthly budgeting.
• A savings goal (this page) says how far along a project backed by an account is: “€8,000 for the down payment”. It budgets nothing; it measures.

See Categories, rules and targets for the former.

Creating a goal

New goal, then the name, the target amount and the account to track. Progress updates on its own as the account balance moves — nothing to re-enter.

Because tracking relies on an account balance, a goal reads best when the account is dedicated to it. A “Holidays” goal backed by your checking account will move with your salary, which doesn’t mean much.

Reaching the target

Nothing fires automatically: Arca moves no money and doesn’t close the goal. What happens next is yours to decide — spend it, transfer it, or aim higher.