Set Goals,
Crush Them
Turn your financial dreams into reality. Set SMART goals, track progress automatically, and get AI-powered insights to achieve them faster.
89%
Goal Success Rate
₦2.1B
Goals Achieved
AI
Smart Insights
2x
Faster Savings
Your Goals
3 Active Goals
AI Insight
Save ₦12,500/week to hit your Emergency Fund goal by December!
Popular Goal Templates
Start with a template or create your own custom goal.
Emergency Fund
3-6 months expenses
House Fund
Down payment savings
Car Purchase
New or used vehicle
Education
School fees & courses
Vacation
Travel & experiences
Wedding
Ceremony & honeymoon
Why Most Financial Goals
Fail
92% of people abandon their financial goals within 3 months. Here's why:
Vague, Unmeasurable Goals
'I want to save more money' isn't a goal—it's a wish. Without specific targets, deadlines, and milestones, you're setting yourself up for failure.
No Progress Tracking
If you're not tracking progress, you don't know if you're on track or falling behind. By the time you realize, it's too late to course-correct.
Unrealistic Timelines
Setting a goal to save ₦5M in 6 months on a ₦300k salary? That's mathematically impossible. Unrealistic goals lead to frustration and quitting.
No Accountability System
Without reminders, notifications, and check-ins, your goal becomes 'out of sight, out of mind.' Life happens, and savings get forgotten.
The SMART Framework
Every goal you create follows the proven SMART methodology.
Specific
Clear target amount
Measurable
Track every naira
Achievable
AI validates feasibility
Relevant
Aligned to your life
Time-bound
Deadline with milestones
Everything You Need to
Achieve Your Goals
Unlimited Goals
Create as many goals as you want. House, car, vacation, emergency fund—track them all in one place.
AI-Powered Insights
Get personalized recommendations on how to reach goals faster based on your income and spending.
Visual Progress
Beautiful charts show your progress over time. See daily, weekly, and monthly savings trends.
Smart Reminders
Get nudges when you're falling behind and celebrations when you hit milestones.
Auto-Calculate
Enter your target and deadline. Nalo calculates exactly how much to save daily/weekly/monthly.
Milestone Rewards
Set custom rewards at 25%, 50%, 75%. Celebrate progress and stay motivated.
Smart Goal Status System
Track your goal through every stage from creation to completion.
Goal created but no funds added yet. Ready for your first contribution.
Active goal with savings in progress. Keep going—you're on your way!
Target amount reached! Time to celebrate your financial achievement.
Every Milestone
Tracked Automatically
Your goal timeline shows you exactly where you are in your savings journey.
Goal Created
When you first set your savings target
Last Updated
Your most recent contribution or edit
Target Deadline
Your goal completion date with countdown
Days Remaining
Real-time countdown or overdue alert
Goal Detail View
Emergency Fund
In Progress58% Complete
Saved
₦875,000
Target
₦1,500,000
Remaining
₦625,000
Days Left
127
See Your Progress Visually
Beautiful charts and visualizations that make tracking your goals enjoyable.
Savings Distribution
Donut chart showing saved vs remaining for each goal at a glance.
Progress Bars
Compare progress across your top 5 goals with visual progress bars.
6-Month Forecast
Area chart projecting your savings trajectory based on current pace.
Quick-Add Buttons
Instantly add ₦100, ₦500, ₦1,000 or any custom amount to your goals with one tap.
How Smart Goals Works
From dream to reality in 4 simple steps.
Set Your Goal
Choose a template or create custom. Enter target amount and deadline.
AI Validates
Oracle AI checks if your goal is achievable based on your income and expenses.
Track Progress
Nalo automatically tracks deposits to your goal. See progress in real-time.
Celebrate Wins
Hit milestones, earn badges, and get AI tips to reach your goal faster.
Goals Achieved
Adaeze
Emergency Fund
Saved
₦1,200,000
Time
8 months
"The AI told me exactly how much to save weekly. Hit my target 2 weeks early!"
Emeka
House Down Payment
Saved
₦5,000,000
Time
18 months
"Milestone celebrations kept me motivated. Every 25% felt like a win."
Folake
MBA Tuition
Saved
₦3,500,000
Time
14 months
"I didn't think it was possible until the AI showed me the math. Now I'm enrolled!"
Frequently Asked Questions
Everything you need to know about Smart Goals
Smart Goals uses the SMART framework (Specific, Measurable, Achievable, Relevant, Time-bound) to help you set effective financial goals. You define your target amount, deadline, and priority. Nalo then calculates how much you need to save daily/weekly/monthly and tracks your progress automatically from linked accounts.
YES! Free users can track up to 3 active goals. Premium users get UNLIMITED goals. You can prioritize goals (High/Medium/Low), and Nalo will help you allocate savings accordingly. For example, if you're saving for a car AND emergency fund, Nalo might suggest 60% to emergency (high priority) and 40% to car (medium priority).
Oracle AI analyzes your income, spending patterns, and goal timeline to provide personalized recommendations. It might suggest: 'Cut your transportation spending by ₦15,000/month to hit your goal 2 months earlier' or 'Your freelance income is growing—consider allocating 50% of new earnings to your house fund.'
Nalo automatically recalculates. If you miss a weekly target, it adjusts future targets to keep you on track. You'll get notifications suggesting how to catch up—maybe by reducing discretionary spending or allocating a bonus. No judgment, just practical solutions to stay on course.
Yes! You can designate specific bank accounts or savings pockets for each goal. Nalo tracks deposits to these accounts and updates your goal progress automatically. This is perfect if you use separate accounts for different savings objectives.
Every goal has automatic milestones at 25%, 50%, 75%, and 100%. When you hit a milestone, you get a celebration notification and achievement badge. Premium users can set custom milestones and rewards (like 'At 50%, I can buy that watch I've been eyeing').
Premium feature! You can create shared goals where multiple people contribute. Perfect for couples saving for a wedding, families saving for vacation, or roommates saving for shared expenses. Everyone sees progress and gets notifications.
We have pre-built templates for: Emergency Fund (3-6 months expenses), House Down Payment, Car Purchase, Wedding Fund, Vacation, Education, Retirement, Debt Payoff, and more. Templates include suggested timelines, savings rates, and tips specific to Nigerian financial realities.
Still have questions?
We're here to help! Get in touch with our support team.