Aspirations & Goals
Help customers shape their financial future
Give your bank a way to collaborate with customers on what matters most to them, from broad life aspirations to concrete savings goals, with the tools to stay on track together.
Give saving a purpose
People don't just want to save money, they want to save for something. A vacation. A house. An emergency fund. Goals transform saving from a chore into a journey.
Purpose-driven saving
Named goals with images and target dates. Customers save for things they can visualize and get excited about.
Visual progress
Progress bars, milestones, and celebrations. Seeing advancement keeps customers motivated and engaged.
Achievement unlocked
Celebrate milestones and completed goals. Positive reinforcement builds financial confidence and loyalty.
Complete goal management
Everything customers need to set, track, and achieve their financial goals.
Goal Creation
Easy goal setup with templates for common aspirations. Custom goals for unique dreams. Visual personalization with images.
- Pre-built goal templates
- Custom amount and target date
- Image personalization
Aspirations
Not every financial ambition has a number attached. Aspirations capture the bigger picture, directional goals that guide long-term financial behaviour.
- Broad life ambitions and directions
- Connected to concrete goal steps
- Ongoing progress tracking
Progress Tracking
Visual progress bars and milestone markers. See how close you are and celebrate every step forward.
- Visual progress indicators
- Milestone celebrations
- On-track notifications
Automated Saving
Set it and forget it. Automatic transfers, round-ups, and rule-based saving to grow goals without thinking.
- Recurring transfers
- Round-up savings
- Save-when rules
Popular goal templates
Pre-built templates for common financial aspirations. Customers can start saving in seconds.
Vacation
Dream trips and getaways
Home
Down payment savings
Car
New or used vehicle
Education
Courses and degrees
Wedding
The big day
Emergency Fund
3-6 months buffer
Holidays
Christmas & celebrations
Custom
Any aspiration
3x
More likely to save
With named goals
70%
Engagement rate
Monthly active users
85%
Goal completion
Reach their target
+15
NPS increase
Satisfaction boost
From aspirations to goals, and back again
There's a meaningful difference between an aspiration and a goal. A goal is concrete: save €5,000 for a holiday by September. It has a number, a deadline, and a clear finish line. An aspiration is broader: become better with money, build financial security, or start planning for retirement. It's directional rather than numerical, and it's often more important.
Most banking tools only handle one or the other. They either offer rigid savings pots with target amounts, or they provide vague financial wellness tips with no actionable structure. Neither is enough on its own. Customers need both, the big-picture aspiration that gives them direction, and the specific goals that break that aspiration into achievable steps.
Our platform builds both into a single connected system. An aspiration like "become financially independent" can spawn concrete goals, clear your overdraft, build a three-month buffer, start a pension contribution. As each goal completes, the aspiration progresses. And sometimes it works in reverse: a customer who completes a savings goal might discover a larger aspiration they hadn't articulated yet. The platform supports movement in both directions, keeping customers on a path that's both meaningful and measurable.
Aspirations
Broad, directional, ongoing
- Become financially independent
- Build long-term financial security
- Get better at managing money
Aspirations and goals flow into each other
An aspiration spawns concrete goals. Completed goals reveal new aspirations. The platform supports both directions, keeping customers on a path that's meaningful and measurable at the same time.
Goals
Concrete, measurable, completable
- Save €2,000 emergency fund by June
- Clear overdraft within 3 months
- Start €100/month pension contribution
Goals need to feel alive
Traditional savings goals are static, a number that slowly ticks up toward a target. But that's not how people stay motivated in 2026. Apps like Duolingo and TikTok have shown that sustained engagement comes from streaks, momentum, feedback loops, and the feeling that something is happening right now. Financial goals need the same energy.
Our approach to goals is built around behaviour change, not just balance change. Streaks reward consistency. Nudges arrive at the right moment. Progress feels dynamic, not a bar that inches forward once a month, but a living system that responds to what customers do every day. When saving feels like a game you're winning, people keep playing.
And real aspirations aren't single-step. Someone who wants to start investing first needs to understand what that means, then build a savings buffer, then set up a monthly contribution, then monitor their portfolio. One goal naturally leads into the next. Our platform supports these goal journeys, connected sequences where completing one aspiration unlocks or suggests the next, guiding customers through genuine financial progress rather than isolated targets.
Engagement techniques that work
- Saving streaks and consistency rewards
- Contextual nudges and timely encouragement
- Dynamic feedback loops, not static progress bars
- Milestone celebrations that feel earned
Goal journeys, not isolated targets
Aspirations connect. Completing one goal can automatically suggest or unlock the next step in a customer's financial journey.
Behaviour change, not just balance change
The real measure of a great goals feature isn't how much money moves into a pot, it's whether customers develop lasting financial habits. Our platform is designed to make good financial behaviour feel natural, rewarding, and hard to break.
Deploy your way
Choose the integration approach that fits your product roadmap and technical architecture.
White-label UI
Ready-made goal screens that match your brand. Drop into your app and go live in weeks, not months.
API integration
Full API access to build your own experience. Goals data, progress tracking, and recommendations via clean endpoints.
Account integration
Connect goals directly to savings accounts. Automate transfers and track real balances in real time.
Better together
Goals become even more powerful when combined with Subaio's subscription management and cashflow forecasting. Know what customers spend, predict what they'll have, and help them save what's left.
Part of Personal Finance Management
Works alongside
Aspirations & Goals is one of four interconnected Personal Finance Management products, each strengthening the others.
Ready to help customers achieve their goals?
See how aspirations and goals can drive engagement and build lasting customer relationships.