Goals

A goal in thrust marks part of the money you already have. Setting money aside for a goal moves nothing and records no transaction: the money stays on its account, and thrust remembers which part of it belongs to the goal.

Creating a goal

Set aside and Take out

Open a goal and tap Set aside. Enter the amount and choose where the money is kept: one of your accounts, or Outside thrust for savings the app does not track, such as cash at home. The account balance does not change. thrust simply knows that this part of it now belongs to the goal.

Changed your mind? Tap Take out and the money is free again. Both actions are also a swipe away in the goals list.

Several goals on one account

One account can hold any number of goals. Each goal keeps its own set-aside amount, and whatever is left stays free to use. When you set money aside, thrust shows how much is still free on that account.

One exception keeps things simple: when a savings account holds exactly one goal, the goal follows the whole balance of that account. Add a second goal to the same account and both switch to their own amounts, starting from the current balance.

When the money gets spent

If an account balance drops below what is set aside on it, every set-aside on that account shrinks in proportion, so no goal claims money that is no longer there. The goal says plainly what happened, for example: "€200 of this was spent from Savings".

After a transfer to savings

When you record a transfer into a savings account, thrust offers to set it aside for a goal in one tap, for example: "Set aside €300 for «Vacation»?". If you delete the transfer later, the set-aside goes with it.

Goals and Safe to spend

Money set aside on an account that counts toward Safe to spend is subtracted from it once. The same money is never held back twice, and money you already set aside is not counted against you again.

Tracking progress

Each goal shows:

The status compares the money set aside with a steady plan from the day you created the goal to its deadline, so an early lump sum counts in full.

Goals you already had

Goals created before set-asides keep their progress as a starting amount. If a goal sits on an everyday account, thrust asks once, for example "How much of €2,400 is for «Vacation»?", and from then on only that amount counts toward the goal.

How AI Helps with Goals

thrust can answer questions about goal progress in plain language: "When will I reach my vacation goal?", "How much should I save each month?", or "What if I increase contributions by $100?" Responses include projected dates, contribution guidance, and a what-if overlay, all calculated on your iPhone. (Saved, named scenarios are not available yet.)

The AI can also warn you when your current savings pace puts a target date at risk, suggest which budgets to trim after a heavier-spending month, and highlight when extra cash buffer can be moved into a goal. Goal Milestones still let you break a goal into sequential stages — percentages auto-redistribute when you add or complete a stage.

Goal Ideas