Financial goals

A financial goal in Yuki is a number and a year, such as buying a house by 2030. Yuki works out what it takes and, from the balances you check in, whether you are on track. Set one in Money → Goals on the web or in the Money tab on your phone. Free includes one goal; Pro has no limit.

How do I set a savings goal?

1. 1Open Money → Goals and choose Set your first goal (New goal once you have one).
2. 2Pick what you are saving for: Retirement, Buy a house, Buy a car, College fund, Savings pot, Emergency fund, Travel fund, Wedding, Business or Something else.
3. 3Give it a Goal name, a Target amount and a Target year. A retirement goal asks for your target annual retirement expenses and a withdrawal rate instead.
4. 4Choose who’s in this goal: Just me, or one of your groups, then tap Save goal. What it takes shows before you save.

How does Yuki know if I am on track?

Yuki compares the balances you check in with what the goal takes. Tap Check in balance and enter your Bank balance, Investment value and, if you like, What you owe. Earmark to a goal ring-fences an amount for one goal; Count toward everything keeps it in the overall picture. Extract from statement reads the figures from a bank or investment statement for you to check.

• Status — each goal reads On track, Behind, Achieved, Not started or Needs setup, with At this pace showing where you would end up.
• My check-ins — every balance you’ve checked in, newest first, to edit or delete.
• Investments and Liabilities — what you own and what you owe, next to Goals in Money.

Does a goal need a bank connection?

No. A check-in is a snapshot you enter, not a live bank balance, so no bank connection is needed. Extract from statement can read the figures from a bank or investment statement for you to check.

Can I save toward a goal with other people?

Yes. When you set a goal, choose who’s in it: Just me, or one of your groups.

What does a goal’s History show?

History lists what happened to a goal: when it was created, when the target changed, when it reached 25%, 50% and 75% of the target, when the target was reached, when it fell off pace, and when there was no balance check-in for a while. The Total over time chart can be shown by day, week, month or year.

Can I break down my investments?

Yes. When you check in, switch on Break down by category and add a row for each one: ETF, Stocks, Crypto, Forex, Real Estate, Mutual Funds, Bonds, Retirement Accounts, Gold, Cash Equivalents, Other, or a category of your own. The investment value updates to match their total, and you can add holding details. There is one check-in a day; checking in again the same day updates it.

Who can change a group goal?

Everyone in the group can see a group goal, but only the group’s admins can change or delete it. A Just me goal is private: only you can see and edit it.

Will Yuki tell me how a goal is going?

Yes. Yuki checks every goal once a day. It sends a push when a goal reaches 25%, 50% or 75% of its target, and when it reaches the target, once each; if one check-in crosses several, you get one push for the highest. It also nudges you when a goal has had no balance check-in for 30 days, and when your pace won’t reach the target by the target year, each at most once a month.

Everyone in a group goal gets these. Nothing is sent during your quiet hours, but the update still shows in the goal’s History. To stop them, switch off Goal updates in Profile → Notifications on your phone, or Goal nudges in Settings → Notifications on the web.

What does What it takes show?

While you set or edit a goal, What it takes shows how much you need to save each month to reach the target by the target year, counting what you already have toward it. If what you have will grow past the target on its own, it says so. You can change Expected return (%) and Inflation (%); the target is in today’s money, so growth is counted after inflation.

Why doesn’t my goal show a pace yet?

Target vs reality measures what you are actually putting away, from your check-ins. It needs at least two check-ins about six weeks apart before it projects anything. After that it shows your monthly pace and says either On course to get there on time or Later than planned at this pace.

Can people in a group goal split the saving?

Yes. Who’s contributing what splits the monthly amount the goal needs between everyone in it, and shows each person as On track, Behind or No data yet from their own check-ins. A group admin can set one person’s monthly target; everyone without a set amount splits the rest equally.