What goal-based actually means on Fleek

Most financial software treats a goal as something you calculate once. Put in a target amount, a time horizon, an assumed rate of return, and a graph tells you whether you’re “on track.” Then the plan sits there, quietly going stale, until someone remembers to open the spreadsheet again.

We built Fleek’s goal tracking to work the other way: every goal recalculates itself as the household’s actual numbers change, so the funded % you see is always current, not a snapshot from the last review meeting.

What a goal actually tracks

Every goal on Fleek — retirement, a child’s education, a home, an emergency fund, a wedding, becoming debt-free, and a handful of others — carries the same three numbers:

• Funded % — how much of the target is already covered by what’s been saved and invested toward it
• Status — on track, at risk, or behind, based on whether the current pace gets there by the target date
• Monthly gap — if it’s short, exactly how much more the SIP needs to be to close the gap

None of that is a one-time calculation. Add an investment, log an expense, update an income figure, and the goal’s numbers move with it.

What “at risk” looks like in practice

Here’s an actual line from the advisor workspace, not a mocked-up example: “2 of 2 goals are off track — Retirement needs attention first.” That’s the point. A goal that’s quietly slipping should say so, plainly, before a review meeting rather than during one.

On the client side, the same information shows up differently — goals are laid out as stops on a timeline running from today to the target year, so it’s visual rather than a table of numbers. A goal that’s underfunded is marked clearly: “underfunded — worth a word with your advisor.”

Debt is a goal too

Becoming debt-free doesn’t have a “funded %” in the same sense, so it’s tracked differently — each loan gets its own payoff bar and a projected debt-free date based on the current EMI, with a note showing how much sooner that date could move if the SIP were redirected toward the loan instead.

Why this matters more than another dashboard

A goal that always shows its real status changes the conversation between an advisor and a household. Instead of starting a review by reconstructing where things stand, both sides already know. The meeting can start with what to actually do about it.