Goal Tracking Modes

Two Ways to Track a Goal

When you create a goal in NivoaFlow, you choose between two tracking modes — Link to account for automatic tracking, or Save up manually for full control over each contribution.

Link to Account (Automatic)

Your goal progress mirrors the balance of a linked account. As the account balance changes, the goal progress updates automatically.

Best For

• Goals with a dedicated savings account
• Emergency funds in a separate account
• Down payment savings in a TFSA, FHSA, or savings account

How It Works

When creating or editing a goal, choose Link to account and pick a chequing, savings, or line-of-credit account. The goal then offers three balance-tracking options:

Deposits push the goal forward, withdrawals pull it back. Manually adding funds has no effect on an account-linked goal — the linked balance is the single source of truth.

Example

You link your "Vacation Fund" goal to a savings account with $1,200. Your target is $3,000. Progress shows 40% complete. When you deposit another $500, the goal automatically updates to $1,700.

Save Up Manually

You log contributions yourself using the Add Funds button on the goal row. The amount you've saved is whatever you've recorded — your money never moves inside NivoaFlow.

Best For

• Goals where savings are spread across multiple accounts
• Cash savings or accounts you don't want to connect
• Anyone who prefers to record one-off deposits like bonuses, refunds, or birthday money

How It Works

• Pick Save up manually when creating the goal
• Click the + button on the goal row whenever you want to add (or remove) funds
• Each entry shows up in the goal's history view

You can also link individual transactions to a manual goal — see linking transactions to goals.

Choosing Between Modes

You can switch modes at any time by editing the goal — your progress is recalculated based on the new mode.