Savings Coach watches your declared savings goals - house down payment, vacation, emergency fund - and computes what each goal needs per month based on its deadline. When you fall behind it suggests a realistic catch-up; when you're ahead it tells you to redirect the surplus.
Vacation goal is about $600 behind target for May. Adding ~$150/mo for the next 4 months would land you back on schedule for August.
Goals without recurring math are dreams. You decide to save $30K for a down payment in 3 years, you put $500 in this month, you feel great, you forget. Two years later it's $4,000. The discipline doesn't come from the goal - it comes from a monthly check-in that compares actual progress to where you should be by now.
Each goal has a target amount, deadline, and current balance. The agent computes "where you should be this month" as a straight-line ramp (or front-loaded if you specified). Actual progress comes from your tagged savings transactions. Any month with an actual-vs-target gap of more than 15% gets a coaching nudge - either "catch up by $X to stay on track" or "you're ahead by $X, consider speeding up the deadline."
You set a $4,200 vacation fund for August. Straight-line, that's ~$300/mo for 14 months. By the 5th month you should be at $1,500. You're actually at $1,900 - ahead. But by month 10 you should be at $3,000 and you're at $2,400. Savings Coach surfaces the gap and recommends $150/mo extra to land on the original deadline.
Included with Plus ($4.99/mo) and Pro. Connect your bank read-only via Plaid; the agent starts watching from the first sync.
Try FinNudge free →No credit card · 5 minutes to connectYes - Plus tier allows unlimited goals. Each one is tracked independently, and Savings Coach prioritizes which goal is most behind when generating the weekly nudge.
Transactions tagged with a savings category or sent to a goal-linked account. You can also manually attribute transfers to goals - that's the most reliable signal.