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Overview

Targets tell Kualia how much money a category needs and when. They help you know exactly how much to assign each month so you stay on track with your financial goals.

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Target Types

Kualia supports four types of targets:

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Recurring

A fixed amount needed every period (e.g., every month, every week). Use for: Rent, utilities, subscriptions, groceries - any expense that repeats on a regular schedule.
  • Set the amount and frequency
  • Kualia shows how much to assign each period
  • Resets each period
Example: $1,200 for rent, due monthly on the 1st.

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Recurring with Rollover

Same as recurring, but unused funds carry over to the next period instead of resetting. Use for: Categories where you want to accumulate unused money - dining out, entertainment, clothing.
  • Surplus from one period carries into the next
  • Under-spending builds up a buffer
  • Over-spending borrows from next period’s allocation
Example: $200/month for dining out. If you only spend $150, next month starts with $50 already available.

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Maintain Balance

Build up to and maintain a specific balance in a category. Use for: Savings goals, emergency funds, sinking funds for large purchases.
  • Set a target balance and optional target date
  • Kualia calculates the monthly contribution needed
  • Once the target balance is reached, no more assignments needed
Example: Save $5,000 for an emergency fund by December, contributing ~$420/month.

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One-Time

A single funding goal with no recurrence. Use for: One-off savings goals or planned purchases.

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Setting Up a Target

1

Select a category

Navigate to the budget view and select the category you want to add a target to.
2

Enable target

Toggle the target option on for that category.
3

Choose target type

Select from Recurring, Recurring with Rollover, Maintain Balance, or One-Time.
4

Configure details

Set the amount, frequency, start date, and other options based on the target type.

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Target Frequency Options

For recurring and recurring with rollover targets:
FrequencyExample
DailyEvery day, every 2 days, etc.
WeeklyEvery week on Monday, every 2 weeks, etc.
MonthlyEvery month on the 15th, every 3 months, etc.
YearlyOnce a year on a specific date
You can set custom intervals (e.g., every 2 weeks, every 3 months) using the frequency interval setting.

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Target Status Indicators

Kualia shows visual indicators for each category’s target status:
  • Underfunded - category needs more money to meet its target
  • Funded - category has exactly enough for its target
  • Overfunded - category has more than the target requires

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Snoozing Targets

If you need to skip a target for a specific month (e.g., skipping a savings contribution during a tight month), you can snooze the target for that month. The target resumes automatically the following month.