Savings Goals Documentation
Goal targets, progress, contributions, dates, net-worth inclusion, and responsible interpretation.
Audience: Household members planning and tracking named savings targets. · 5-page PDF · v6.26.1
How to read this document
Sections move from purpose → concepts → calculation process → worked examples → edge cases. Formula boxes use plain mathematical notation for clarity; they are conceptual summaries, not API contracts.
- Point lists call out operator-visible behaviour.
- Callouts mark warnings, limitations, or important qualifications.
- Worked examples use round numbers so you can reproduce the arithmetic by hand.
Purpose
Goals organize progress toward a named amount and date without claiming that funds are reserved at a bank.
- Set a target and optional date
- Record or update progress
- Control net-worth inclusion carefully
Goal anatomy
- Name and purpose
- Target amount and currency
- Current tracked balance
- Target date
- Status and net-worth inclusion
Privacy gate
The Goals screen is protected by a PIN or biometric gate that is on by default: goal names and balances stay hidden until you unlock. You can adjust the gate in settings, but the default assumes goals are private.
- Unlock applies per member and per device session.
- InteliHouse only reads goal data when you have granted its per-area goals consent; without that consent the assistant answers without your goals.
Progress calculations
Progress
(CurrentBalance / TargetAmount) × 100
Zero targets require guarded display.
Remaining
max(TargetAmount − CurrentBalance, 0)
Progress can reflect entered records, not independently verified or ring-fenced money.
Contributions and corrections
- Record actual amounts and dates.
- Avoid duplicating transfers represented elsewhere.
- Correct mistaken entries at source.
- Use notes for exceptional changes.
Target dates and pace
Pace indicators are planning aids based on remaining amount and time. They do not guarantee affordability or investment outcomes.
Goal deadlines can be exported as an .ics calendar file, so target dates appear in any external calendar you subscribe with.
Simple pace
- Target is 12,000.
- Current balance is 3,000.
- Nine months remain.
- Divide 9,000 remaining by nine.
A simple required pace is 1,000 per month before returns or fees.
Net-worth inclusion
Avoid double counting
Do not include a goal balance in net worth when the same money is already fully represented by an asset included in the Asset Registry.
Review workflow
- Reconcile the tracked balance.
- Review target relevance.
- Check currency.
- Reassess date and pace.
- Archive completed or abandoned goals appropriately.
Privacy, advice limits, and what we do not publish
AccountHouse is a household tracking and organisation tool. It is not a bank, payment processor, tax advisor, or investment advisor. Forecasts, health scores, balances, and alerts are informational.
- Household data is scoped to your household; other families cannot see your ledger.
- Public documentation explains product behaviour and calculation concepts, not proprietary internals.
- Exact scoring weights, anomaly thresholds, cryptography parameters beyond high-level algorithms, and operational detection rules are reserved.
- Goal projections are informational and are not savings, investment, tax, or credit advice.
Intellectual property boundary
This document describes what AccountHouse calculates and which inputs matter. It does not disclose source algorithms, secret constants, or implementation details sufficient to reconstruct proprietary systems.