Two related screens: My Goals is where you decide what you are saving for, and Account Allocation
is where you check the money is actually there.

My Goals

Budgeting Tools → My Goals

The screen opens with What Your Savings Can Do — examples of what regular saving adds up to, such as
Save $300/Month → Emergency Fund In 1 Year.

Two kinds of goal

Savings Goals — "Track contributions toward the experiences you care about." A holiday, a car, an
emergency fund, a house deposit. A target amount and a target date.

Retirement Goal — "Long-term wealth, mapped across all linked accounts." Longer horizon, drawing on
your whole position rather than one pot.

Filter with All Goals, Savings Goal, or Retirement Goal.

Creating a goal

Select + CREATE GOAL.

Per Cycle Amount and Priority Share

These are the two that make a goal actually progress.

Per Cycle Amount is your deliberate contribution — the amount you commit each cycle. It shows up in
your budget's Total Budgeted.

Priority Share is a percentage of whatever surplus you have left at the end of a cycle. Set it and
good months automatically speed the goal up.

With several goals, the shares determine how surplus splits between them. Put the biggest share on the
one that matters most.

Tracking

Each goal card shows:

The projection normally reads Projected followed by a date. It reads Reached once you get there,
or No projection when Swish does not have enough to estimate — usually because there is no per-cycle
amount set.

Spending against a goal

The point of saving for something is spending it on that thing without it looking like a budget blowout.

When you spend on the thing you saved for, go to Transactions, find it, and select
Cover with goal. It draws from the goal's balance instead of your ordinary budget, and the goal's
Spent figure goes up.

You can do the same from Spend Overview, and a goal's View spending shows
everything covered so far.

Managing goals

The ⋮ menu on each goal:

Deleting a goal does not touch your money. It removes the plan; the balance stays in the account.

If your budget still uses the goal's savings bucket for its reserves, the Delete Goal window tells you
which part of the budget uses it. If you delete the bucket anyway, choose a replacement in My Budget with
Replace bucket.

"Bucket Link Status"

If a goal's connection to its savings bucket breaks — an account was disconnected, a category was
deleted — the goal card shows a warning.

To fix it, open ⋮ → Edit Account. Bucket Link Status there tells you what the connection is
doing, and offers to repair it where that is possible.

Advice worth following

Three goals is plenty. Spread across ten, none of them move.

Emergency fund first. Three months of expenses before anything discretionary.

Be specific. $8,000 for Japan by March 2027 beats save more.

Set a per-cycle amount, even a small one. Goals without one do not progress and have no projection.

Use priority share for surplus. It captures good months without you thinking about it.

Check the projection. If it lands after your target date, either raise the contribution or move the
date. Both are fine; pretending is not.

Account Allocation

Budgeting Tools → Account Allocation

"See how budget reserves and goals are allocated against each linked account's real capacity."

Your budget can promise more than your accounts hold. This screen checks.

What it shows

For each linked account, four figures:

Beneath the account's bar you will also see its Cash balance — what is actually in the account. On a
credit card or other liability account, that is replaced by its Limit.

Below, a table of every reservation: Type, Bucket, Source, Target / Limit, and
Current Balance. For goals, Target / Limit is the goal target amount; for budget reserves, it is
the effective bucket limit. The current balance is the amount currently reserved against the account.

Reading it

Overflow is the number to watch. It means your reserves and goals together claim more than the
account holds. Nothing is broken — the money simply is not there yet. Either move some claims to another
account, lower a reserve limit, or reduce a goal's contribution.

Unallocated is opportunity. Money sitting unclaimed could be funding a goal.

Available capacity tells you how much more you can promise from that account before it overflows.

If you have not set anything up yet you will see No reservation-linked accounts yet, with shortcuts to
Set up budget reserves and Set up goals.

Getting it right

Point goals at the accounts that actually hold the money. A goal claiming from an account you never
save into will always show a shortfall.

Set reserve limits. Without them Swish cannot tell how much a reserve intends to claim — that is the
Limit missing warning.

Separate your accounts by purpose. An everyday account and a savings account with distinct claims are
much easier to reason about than one account doing everything.

Check it after big budget changes. New goal, changed reserve limits, disconnected account — this is
where the consequences show up.

Common questions

Why does an account show overflow? More is claimed against it than it holds. Reduce a claim or move
one elsewhere.

Does Swish move my money? No. Swish never moves money. This is a picture of your plan against your
balances; transfers happen in your banking app.

Should everything be allocated? Not necessarily. Some unallocated buffer is sensible.

An account is missing. It is not linked. See
Linking accounts to registers.