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Create and fund goals

An emergency fund, a trip, a deductible you know is coming — each goal takes its contribution off the top, before your number is calculated. Nobody has to be the disciplined one; the math holds the line.

Create a goal

Section titled “Create a goal”
  1. Go to Goals (or use Add goal on the dashboard’s Goals card).
  2. Give it a name, a target amount, and a monthly contribution.
  3. Choose which account the savings come from.
  4. Save. Your Safe to Spend number now sets that monthly amount aside first.

The Goals screen — each goal funds itself first, like a bill

Progress and pace

Section titled “Progress and pace”

Each goal shows a progress bar and a pace line — the date it lands at today’s contribution, calculated from real numbers. Even $25 a month gets a finish line, which is usually what makes it stick.

Pause and resume

Section titled “Pause and resume”

Tight month? Pause a goal and your Safe to Spend number rises by exactly that amount, everywhere, instantly. Resume when you’re ready. Pausing is part of the plan, and Amppfy treats it that way — no guilt either way.

Goals and your cushion

Section titled “Goals and your cushion”

Goals and the safety cushion do different jobs: goals build toward something, the cushion protects against surprises. They’re separate lines in the math, so neither eats the other.