Define up to 4 goals (home purchase, early retirement, travel, debt-free…) and link them to your accounts so Atlas tracks progress automatically.
Create a first goal
On an empty account, the page shows Define Your Main Goal with a Start button.
- Pick a type from 8:
- Home purchase — property price, down payment %, "first home" checkbox, target month/year.
- Early retirement — current age, target age, target wealth.
- Kids' education — number of kids, years until studies, target per kid.
- Debt-free, Travel, Financial security, Wealth accumulation, Custom — enter a target amount, an amount already saved (optional) and a target date (optional).
- Link to accounts (optional but recommended) — see next section.
- Save. The first goal is marked as main goal.
Link to accounts
Rather than manually entering the current amount, link your goal to one or more accounts. Atlas then computes progress by summing their balances month after month.
One case is handled automatically: a Home purchase goal marked "not first home" sums your TFSAs by default, treating them as the natural down-payment pot.
Reading progress
A goal's detail page shows:
- The percentage reached and the amount remaining.
- The per-account breakdown of the balances counted (with their conversion to your primary currency).
- A 120-month chart with your projected trajectory vs the ideal line (the linear pace required to hit the target date).
- A monthly-savings simulator: a slider from $0 to
max(5000, 4 × current savings, 2 × required savings). Atlas recomputes the estimated arrival date in real time and updates the chart.
Main goal vs secondary
- The main goal is fully editable from its detail page (Edit button).
- Secondary goals must be deleted and recreated to be modified — no in-place edit for now.
Current limits
- Sharing between partners: not yet available, on the roadmap.
- Per-account % allocation: engine ready, UI not exposed yet (see above).
- Editing a secondary: go through delete + recreate.