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Use goals to set money aside with a purpose (emergency fund, a trip, a house deposit) and let guito track the progress for you. This page shows you how to create a goal and how to automate the way your savings are allocated. You’ll find goals in the sidebar, under Planning, Goals (/goals). guito doesn’t move money between accounts: it places labels over the balances you already hold, showing how much is allocated to each goal and how much is left.
Goals deal with savings and targets. Monthly spending caps live on a separate page, under Planning, Budgets (/budgets). This page covers only the goals side.

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Two kinds of goal

The /goals page groups your goals into two sections:

Continuous (fund)

A perpetual goal with no finish line and a target amount in euros. For example: keep €1,600 allocated across accounts and certificates. You name it, set the amount, and the goal tracks it continuously. It never concludes.

One-off (savings)

A target with an amount and, optionally, a target date. For example: a trip to Japan, a house deposit, a new car. It concludes when reached.
An emergency fund isn’t a separate concept: it’s simply a continuous goal you named “Emergency fund”.

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Creating a goal

1

Open the goals page

In the sidebar, go to Planning, Goals (/goals).
2

Click + New goal

Choose between a continuous goal (fund) or a one-off goal (savings).
3

Give it a name and a target amount

Enter the name, pick an icon, and set the target amount in euros. On a one-off goal you can also add a target date.
4

Choose how to fund the goal

Set the allocation (see below) and, for manual allocation, which accounts feed the goal.

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Allocation: automatic or manual

Accumulation goals (continuous and one-off) measure progress from your cash-equivalent balances: bank accounts and Certificados de Aforro (Portuguese savings certificates). How they read that progress depends on the allocation.
The goal counts all the liquid money you have available, with no need to pick accounts. It answers the question “is the money I already have enough?”. It’s the typical choice for an emergency fund.You can have only one automatic continuous goal per user, so the same money is never counted twice. In this mode, the account editor is hidden.
A one-off goal always behaves like a manual one: until you allocate an account, it shows 0. It’s a forward-looking target, so nothing counts until you explicitly allocate it.

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Allocation: planned vs allocated

In each goal’s Funding section, you choose which accounts fund it (the Manage accounts button). On each account you have two ways to allocate:
  • Track balance: the goal counts that account’s current balance, up to the target amount, and updates itself with the movements, with no need to enter a value. Once it reaches the target it stops counting, and whatever’s left over becomes available for other goals. The same account can fund several goals at once.
  • Fixed amount: instead of the whole balance, you declare an amount per account, useful for splitting one account’s balance across several goals.
With a fixed amount there are two numbers to tell apart:
  • Planned: the ceiling you declare. It can be higher than the account’s current balance. Only you edit this field.
  • Allocated: what’s actually allocated today. It never exceeds the account’s available balance. guito computes it.
1

Open the goal

Click the goal in the list to open its detail page (/goals/[id]).
2

Manage accounts

In the Funding section, click Manage accounts and pick the accounts and products (grouped into Accounts and Products). A new account starts on “Track balance”; a certificate starts as an empty row awaiting an amount.
3

Adjust each row

On each row, set the Planned amount (for example, €5,000 on an account even if you only have €2,000 today) or turn on Track balance.
There’s no “Save” button: everything is saved automatically. The value on field blur, the toggles, and “Manage accounts” all persist immediately. A short “Saving…” line marks the in-flight write.

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Automatic savings

To automate allocation, declare a Planned amount higher than the Allocated amount: guito fills the gap on its own as headroom appears, trying again every morning. The Growing automatically badge shows while an allocation has a planned amount above its allocated amount. Rules worth knowing:
  • The allocated amount only goes up, never down automatically. If the balance drops later, the allocation stays, and the planned portion above the balance fills in again once the balance recovers.
  • To reduce the planned amount below the current allocated amount, just type the lower value. guito shows a confirmation dialog before saving.
Planning more than the target is harmless: an allocation never exceeds the goal’s target amount. The surplus only serves to top the amount back up after a dip.

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Priority between goals

When several goals compete for the same account, the one higher up the list fills first. Continuous goals always rank above one-off goals. To change the order, use the Priority button on /goals and drag the goals. When you save the new order, guito reallocates automatically: if that would move existing allocations, it first shows you a summary of the changes and asks you to choose between keeping the current allocations (only future savings follow the new order) or reallocating right away.

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Minimum balance per account

Every bank account has an optional Minimum balance to keep field, under Accounts, when editing the account. It’s the amount you never want allocated automatically.
  • Automatic savings never dip below that minimum. The headroom the automation sees is: balance, minus active allocations, minus the minimum balance.
  • Manual allocations can go below the minimum, but guito shows a confirmation dialog before going ahead.
Typical use cases: protecting a Revolut vault you don’t want to touch (set the minimum balance to the vault’s value) or keeping a cushion for unexpected expenses. The minimum balance exists only on accounts, not on products.

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A one-off goal’s lifecycle

A savings goal goes through four states:
The goal has allocations set, and the allocated amount grows toward the planned amount as the balance allows.
The total allocated reaches the target amount. The accounts keep funding the goal until you complete it.
You clicked Complete goal. The allocations are released so other goals can use the balance, and the card switches to “Goal completed” with Restart, Archive, and Delete actions.
If you click Restart goal, it returns to the start with the same planned amount, and the allocated amount grows again from the balance.
Complete the goal once you’re done. While allocations are active, they take up headroom on the account and block other goals from growing; completing it returns that headroom to the remaining goals. The action doesn’t touch your money, it only removes the labels.
The complete-and-restart cycle is only for one-off goals. Continuous goals (funds) are perpetual and never conclude: even when they reach the target amount, it’s a positive milestone, not an ending, and there’s no complete action.

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Frequently asked questions

Check, in this order: insufficient balance on the account (no headroom to grow), a minimum balance set too high, another goal with higher priority competing for the same account, or the goal already reached or concluded.
Almost always because of the minimum balance to keep plus the active allocations. The amount available to allocate is the balance minus those two figures.
No. Allocations are just labels over balances that already exist. No money is moved, and guito never touches your bank.

Budgets

Monthly spending caps by category.

Accounts

The accounts and certificates that feed your goals.