Savings & Goals

How it works

The mechanics of this kit, plainly — what runs and when, where the data lands, and what you look at.

• Monthly check-in runs the 1st of each month · 8am and keeps the What you're saving for dashboard fresh. The first of the month — asks once for the balances it has not seen, and says where every goal stands.
• What is captured lands in the Savings goals record, which lives at Data/Savings Goals in your vault — yours to open, search, and edit like any other file.
• What is captured lands in the Balance snapshots record, which lives at Data/Balance Snapshots in your vault — yours to open, search, and edit like any other file.
• The What you're saving for dashboard reads from the record and shows, at a glance: where it's heading · next goal due · set aside, across every goal · goals on the register · how the goals stand · put away, month by month · balances, latest per account · each goal, at this rate · the goals · every balance you've given · how this board works.

The wiring, in one breath: Moss holds Goal capture · Moss holds Balance capture · Goal capture writes to Savings goals · Balance capture writes to Balance snapshots · Savings goals shown by What you're saving for · Balance snapshots shown by What you're saving for · What you're saving for kept fresh by Monthly check-in.

Getting the most from it

A kit earns its place when it changes what you look at and what you say, not when it is installed. This is the rhythm that makes it pay.

• Put every goal on the register the day you install — the name you'd use, roughly how much, a date if it has one, where it is kept — and give Moss the balance in each pot. The goals table and the pace ring fill from that first sitting; the line of what you put away needs a second month.
• Say a balance the way you'd say it to a friend — "the easy saver's at 5,450", "put 200 in the trip pot" — whenever you happen to look, and Balance capture files a snapshot with what went in since the last one. With two accounts that could fit, name which; if you don't, Moss asks rather than guessing.
• When a savings statement arrives, add it to the vault and say what it is. Balance capture takes the closing balance and what was paid in from the document, not from memory — that is the correction that keeps Put away, month by month true.
• Read Where it's heading on the first of the month, after the Monthly check-in has run: the dashed half is arithmetic at the average of your last three months, the basis line says so, and Each goal, at this rate says which goal that rate lands early and which it doesn't. Answer the check-in's one card the same day, or say a balance hasn't moved.
• Read the Pace column as arithmetic, never as a verdict: "behind" means the remaining amount over the months left is more than what is going in, and the list says by how much. Move the date, change the target, or pause the goal — all three are decisions, not lapses, and the row keeps its history.
• Ask Moss for the case both ways when you are weighing whether to save or pay something off, and expect the plain line that this is a record, not financial advice. Which account, which rate and what to do with a lump sum are yours; nothing here can touch your money.

Make it yours

Nothing here is fixed. The pieces are ordinary agents, routines, records and dashboards, so anything you know about shaping those applies. Retire whatever earns nothing.

Things people usually change first

Say any of these in chat, or edit them on the kit’s page in the app.

• What you call each goal and each account — the name on the register is the word Moss uses back.
• When the monthly ask lands — the first of the month at eight is the default — or which accounts are never asked about, or whether the ask happens at all.
• How each goal is judged: the target, the date, and what you plan to put in a month are all yours to move, and the pace follows.
• How a shared account is split between the goals kept in it — Moss never splits a balance for you.
• The currency you think in, and the day money usually lands — said once, remembered for every check-in.

Your first run

Installing starts a short setup conversation — not a form. Answer roughly, correct later.

1. Installing ends with "Meet Moss" and a short conversation, not a form. It opens with one tap-to-answer panel offering the kinds of thing people put money aside for — a cushion for emergencies, a trip, a deposit, a big purchase, a course, a vehicle, a gift or an occasion, a project, a rainy-day pot. Then each goal you picked, one at a time: what you call it, roughly how much, by when if there is a date (no date is a real answer), where it is kept, roughly what you mean to put in each month. Each goes on the register as you say it, with its first pace worked out from your plan.
2. Then the balances, lightly: what is in each account you named, as a rough figure or a blank. Nothing in that conversation reads an account — there is no bank connector to grant, now or later. A statement is a document you add to your vault. If Goals & Coaching is installed, a money goal on Hazel's register is offered by name; if Mortgages & Loans is installed, paying something off stays there; if Assets & Holdings holds a cash figure, it is offered as a starting balance and written only if you say so.
3. Skip the conversation and the door quietly stays open: until a goal is on the register, the kit page, the board and Moss's chat keep the offer ready, and the first-of-the-month check-in leaves one card inviting you in rather than measuring nothing. The first goal, however it arrives, closes it.
4. From the first day of the next month, the Monthly check-in reads every balance you have given, asks you once — in one card — for any account it has not seen this month, works out each goal's pace from what is actually going in, and redraws the board with the projection's basis stated. It says something only when a goal has slipped behind or been reached. A quiet month is the point.

Watch the first pass, then tell it what you would have done differently — that correction teaches it more than any setup could.

The essentials

Learning, preferences and run costs work the same in every kit — so they are covered once, in the Kits guide.

Living with a Kit — the Kits guide →

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