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Set a goal. See if it's on track.

A house, a car, travel: each goal gets a target, a date and an on-track read.

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An estimate from assumptions you supply, not a forecast. Not investment advice — decisions are yours.

How to set your income and burn rate

  1. Ahead or short

    Its target, its date, and how far ahead or short it runs.

    In the frame, a retirement goal reads On track, with its projected value, its target and date, and how far ahead it is. A goal is an amount by a date.

    Moflow reads your projected net worth on that date and sets it against the target: On track and how far ahead, or Off track and how far short. One look says whether the plan you have reaches the thing you want, and by how much.

    A goal that spends money, like a house or a car, reads Affordable or Short instead, and the curve after it steps down by what it costs.

    The read follows the projection. Change your savings, a growth rate or a goal's date, and the chip and the amount beside it move with it.

  2. Pinned on your curve

    Goals sit on your wealth curve at their dates, so you see them coming.

    In the frame, the goals sit as markers on the curve, each at its own date. Goals are measured in date order.

    A car in two years is paid for first, and a house in five years is measured against the curve the car left behind. Money spent early also stops growing, so the projection carries the cost of one goal into the next.

    Goals stop being separate wishes and become one plan, in the order the money is spent.

    A short goal shows the month the curve reaches its target, when it does. Each goal sits on the chart at its date, so a target above the curve is short on that date, and the gap is drawn where it falls.

  3. Name your goal

    A house, education, travel, a car, an emergency fund, or your own.

    Pick a kind, then give it an amount, a currency and a date; Custom takes the name you give it. Set it once, and its read follows your ledger.

    A goal in euros converts into your display currency like everything else.

    Retirement works differently: it is the amount you build toward, so it is drawn as a line to reach and never taken off the curve.

    A goal can be changed or deleted whenever you like, and the goals dated after it are measured again.

A worked example: one target, then a house

One curve, two targets and one purchase, in US dollars. Each figure comes from the same curve Projections draws.

Start from 300,000 USD growing at 5% a year, with 24,000 USD of net savings a year. Ten years out, the neutral projection reaches about 790,538 USD.

A retirement goal of 750,000 USD in ten years reads On track, about 40,538 USD ahead. At 850,000 USD it reads Off track, about 59,462 USD short, and the curve reaches it about 11 months later.

Now add a house goal of 100,000 USD in five years. By year ten, that money and the growth it would have made come to about 127,628 USD, so the 750,000 USD retirement goal reads Off track, about 87,090 USD short.

On the pessimistic case, without the house, the curve reaches about 575,933 USD at year ten, and the same 750,000 USD goal reads Off track, about 174,067 USD short. Change the savings, and these reads move with it.

These figures are an estimate from the assumptions above, not a forecast.

How do I know if a financial goal is on track?

Moflow sets your projected net worth on the goal's date against its target. At or above it, the goal is On track, with the amount it is ahead; below it, Off track, with the amount it is short.

The read moves when your savings or returns do.

What does a big purchase do to my plan?

The curve steps down by its cost on its date, and every year after carries less, because the money spent no longer grows. Later goals are measured on that lower curve.

At 5%, a 100,000 house five years out has cost about 127,628 by year ten.

Can I set a retirement goal?

Yes. A retirement goal is an amount to reach by a date, and it is never taken off the curve.

How long the money lasts once you stop working is on the Retirement page, from the same projection.

What if a goal is short?

It shows how far short it is, and the month the curve reaches the target if it does.

The assumptions on Projections move every goal at once, so a different savings rate or return shows its effect on all of them.

Is a goal's on-track read a forecast?

No. It is an estimate from the growth and savings you set, and it moves when they do.

Not investment advice: the decisions are yours.

Can a goal be in another currency?

Yes. A goal holds its own currency, and Moflow converts its target into your display currency to set it against the curve.

A house in euros on a dollar ledger reads in dollars, at the day's rate.

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The ledger is free. Moflow+ tracks your goals.

Trends, goals, projections and retirement, drawn from the same ledger.

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