> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.booksgpt.ai/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Set savings and debt goals

Goals are targets on top of your accounts: save for a trip, or pay down a card. They live in a personal workspace.

## Open Goals

1. Open **All pages** in the left sidebar, then under **Money** click [**Goals**](https://app.booksgpt.ai/go/personal-goals).
2. Use **Save up** for money you are putting aside.
3. Use **Pay down** for a loan or card you want lower.

Each goal shows progress and a status: **On track**, **At risk**, or **Completed**.

![Save up and Pay down goals](https://booksgpt.ai/help/personal/goals.png)

## Add a goal

1. Click **Add goals**.
2. Pick a template (emergency fund, vacation, credit card, and so on).
3. Set the target, an optional date, and a monthly amount.
4. Finish the three steps.

![Add goals, step 1, pick a type](https://booksgpt.ai/help/personal/goal-wizard.png)

|| BooksGPT lines each goal up with the balances you already have. Anything not assigned yet shows as unallocated.

## Good to know

- Deleting a goal removes the target. It does not change the bank account.
- Status is calculated from the target, the current amount, and the monthly contribution. It is not a separate setting you type in.
- The budget is the monthly plan. Goals are the longer target. Use both if you want.