Goals
A target that assumes nothing about the market.
Most goal trackers quietly assume a return and hand you a date built on it. This one projects from what you have actually paid in, at the rate you have actually been paying it — so the date moves when your saving does, and never because a market did.
Money you've contributed vs target — not a returns forecast.
01 · The projection
Your contributions, continued. Nothing else.
The projected date is your average monthly contribution, carried forward. It does not assume a rate of return, does not compound anything, and does not get more optimistic because the market had a good quarter.
That makes it a duller number and a usable one. A date built on an assumed 7% is a forecast about markets wearing the clothes of a plan — and when the market disagrees, the plan was never the thing that was wrong.
Contribution arithmetic only. Information, not advice, and not a promise about returns.
Measured by money you've contributed · projected from your planned contributions only — never investment growth.
02 · Plan against actual
What you said, and what you did.
You state a monthly amount. Oxvera folds what actually arrived across a rolling window and shows both. Two figures, side by side.
It does not grade you. There is no streak, no badge, no red month, and no message that starts “you should”. The gap between the two numbers is the whole of the information, and a reader can do more with that than with a score.
Transfers between your own accounts are not contributions and are not counted as one — moving money you already had is not saving more of it.
Money you've contributed vs target — not a returns forecast.
The goal reads your existing transactions, so there is nothing to keep updated and nothing to log. It moves when your saving moves.
Information, not advice. Your capital is at risk.