Goals & Milestones
Set meaningful financial goals and track your progress with intelligent milestone predictions and success rate analysis.
Why Goal Setting Matters
Research consistently shows that people who write down specific financial goals are significantly more likely to achieve them. But traditional goal tracking has a problem: it focuses on how much you've saved without telling you if you're on track to actually reach your goal.
Luna's Goals feature combines traditional progress tracking with forward-looking Monte Carlo simulations to give you both: see your progress and understand your probability of success.
Creating Effective Goals
When you create a goal in Luna, you'll define:
Target Amount
How much do you want to save? Be specific—"Emergency Fund: $25,000" is better than "save more money."
Target Date
When do you want to reach this goal? This helps Luna calculate the required monthly contribution and assess feasibility.
Monthly Contribution
How much can you commit each month? Luna will show you if this is enough to hit your target with high confidence.
Linked Account (Optional)
Connect a savings account to automatically track progress. Luna will update your goal balance as deposits are made.
Understanding Success Rate
Each goal shows a success rate powered by our Monte Carlo simulation engine. This percentage represents how many of 1,000 simulated scenarios resulted in you reaching your goal on time.
90%+
On Track
70-89%
Monitor Closely
<70%
Needs Attention
A lower success rate isn't failure—it's information. It might mean you need to increase contributions, extend your timeline, or revisit the goal amount. Luna gives you this insight early so you can adjust course before it's too late.
Milestones & Celebrations
Long-term goals can feel daunting. That's why Luna automatically creates milestones to celebrate along the way—at 25%, 50%, 75%, and 100% completion.
Celebrating progress triggers positive reinforcement, making you more likely to stick with your savings habit. Each milestone is a mini-win on the way to your ultimate goal.
Types of Goals
Short-Term (1-2 years)
Long-Term (3+ years)
Pro Tip: Start with one or two goals maximum. It's better to fund fewer goals adequately than spread yourself thin across many. Once you reach a goal, redirect those contributions to your next priority.