Family goals
Reserva da reforma, viagem, entrada do próximo terreno: quanto juntar, até quando e onde o dinheiro fica — o progresso é o saldo da conta ou da aplicação vinculada.
What you find on this screen
A portrait of the screen, read from the screen itself — it changes when the screen changes.
Form fields
CódigoNúmero sequencial da meta (automático).
Meta*O nome da meta como a família fala: Reforma da casa da praia, Viagem de dezembro.
Quanto juntar*O valor total da meta.
Até quandoCom data, a tela diz quanto guardar por mês para chegar lá.
Guardado na contaO progresso é o saldo desta conta (menos o que já estava lá quando a meta nasceu).
Guardado na aplicaçãoOu uma aplicação: o progresso é a posição dela.
Já estava lá no começoO que a conta ou aplicação já tinha no dia em que a meta nasceu — não conta como progresso. Preenchido sozinho ao criar.
Guardado (sem vínculo)Só para meta sem conta nem aplicação: o progresso informado à mão.
Para quemOpcional: a família, a pessoa ou o imóvel da meta.
AtivaMeta encerrada ou pausada sai do Orçamento da casa.
ObservaçãoAnotações livres.
Start here
Progress comes from the balance
Link the goal to an account or an investment: progress is its balance today minus what was already there when the goal was created. Without a link, enter the saved amount by hand.
The goal that saves on its own
On the Automatic savings tab, say how much to save and on which day, and the Pix key of the account where the money should go (the emergency fund, the investment). If you like, tick that savings rise with income: when household income goes up, that share of the raise starts going to the goal without you having to remember. On the day, Tenka schedules the automatic Pix (with your Open Finance consent and a configured provider) or reminds you with the Pix copy-and-paste code and QR ready.
Rules
How much to save per month
With a target date, Tenka divides what is missing by the remaining months and shows how much to save per month. Active goals also appear in the Household budget.
How the goal measures progress
Set the target amount and, if you have one, the date. Link an account or an investment: progress is its balance today minus what was already there when the goal was created. With a date, the screen shows how much to save per month until then.
Save More Tomorrow
The Thaler and Benartzi rule (Save More Tomorrow, 2004): instead of asking for an effort today, you decide now to save part of future raises. With R$ 300 a month and 50% of the raise, if household income goes from R$ 8k to R$ 9k, the goal starts receiving R$ 800. The raise is measured against income on the day the rule was created; Tenka never schedules a Pix without the consent ticked.
Frequently asked questions
I took money out of the goal account. Now what?
Progress goes down with it — which is what the family needs to see. If it went to the goal itself (the renovation started), close the goal or lower the target.
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