Savings Goals

• A savings goal is a target you're saving toward. A trip, a laptop, a deposit, a buffer — anything that matters to you.
• You set a target amount and a target date, and Kivvo helps you contribute toward it on a schedule that fits your life.
• You can have up to 5 active goals on Free, or up to 10 on Kivvo+. Completed or archived goals don't count against the limit.
• Each goal can have its own priority, so when you have multiple goals, Kivvo knows which one to fill first.
• You can pause, edit, or archive a goal at any time. Your contributions and progress are always preserved.
• Completed goals stay visible in your account — you can see how you got there.

A savings goal is a defined target you're working toward. It has:

• A name — what you're saving for
• A target amount — how much you need
• A target date (optional) — when you want to get there
• A priority — where it sits relative to your other goals
• Progress — how much you've saved so far

Kivvo uses this information to help you stay on track, show your progress, and allocate your contributions across goals when you have more than one.

Saving without a purpose is hard. Saving toward something specific is easier.

A savings goal turns "I should save more" into "I'm saving $200 a month toward a trip to Japan next winter." It gives you:

• A clear target — you know what you're working toward
• Measurable progress — you can see yourself getting closer
• A reason to stay consistent — because the thing you want is real
• A stopping point — you know when you've done it

Kivvo is built around this idea. Everything in the app — contributions, priorities, payouts — exists to help you hit your goals.

To create a goal, you'll need:

• A name. Something meaningful to you. "Trip to Japan" beats "Goal 1."
• A target amount. How much you need. Best estimate is fine — you can edit it later.
• A target date (optional). When you want to hit the target. This helps Kivvo show you whether you're on track.
• A priority. Where this goal sits relative to your others. Highest priority goals get filled first when you have multiple active goals.

Once your goal exists, you can:

• Set up a contribution schedule toward it
• Make one-off contributions
• Watch your progress build over time

Completed and archived goals don't count against this limit. Only active goals do.

If you're on Free and want to add a sixth goal, you can:

• Archive a completed goal to free up space
• Upgrade to Kivvo+ for up to 10 active goals

If you cancel Kivvo+ while you have more than 5 active goals, you'll need to archive goals down to 5 to fit the Free plan limit. Your goal data and contribution history are preserved either way.

When you have multiple active goals, Kivvo needs to know which one to fill first. That's what priorities are for.

Each goal has a priority level. Lower numbers are higher priority (or however Kivvo presents it in the app).

When a contribution is made and you have multiple active goals, Kivvo allocates the contribution according to this priority order:

Goals with the same priority share their allocation equally. Completed goals are skipped — the allocation moves to the next active goal.

You can change priorities at any time. Future contributions follow the new priorities. Contributions already made stay where they were allocated.

For full details on allocation, see our Contribution Terms.

You can edit most things about a goal at any time:

• Name — rename it whenever
• Target amount — increase or decrease it
• Target date — change when you want to hit it
• Priority — reorder against your other goals
• Theme or colour — customise how it appears (Kivvo+)

Changing your target amount doesn't undo previous contributions. If you lower the target, the goal may complete sooner. If you raise it, it will keep collecting contributions.

You can pause a goal at any time. While paused:

• No new contributions are allocated to it.
• It's skipped in allocation — other active goals receive the contribution instead.
• Progress is preserved. Whatever was already saved stays saved.
• It still counts as an active goal against your plan limit (unless archived).

Pausing is useful if you want to focus on another goal for a while. You can resume at any time.

Archiving a goal removes it from your active goals list, freeing up a slot on your plan limit. Your contribution history and any saved amount are preserved.

You can archive:

• Completed goals — once they've reached their target
• Paused goals — if you're not working on them
• Goals you no longer want to prioritise

Archived goals can be restored later, as long as you have room in your plan limit.

A goal is complete when its saved amount reaches its target. When that happens:

• The goal is marked complete in your account.
• Kivvo stops allocating contributions to it — new contributions go to your other active goals.
• The goal stays visible so you can see how you got there.
• Any amount over the target stays in the goal (or can be moved, depending on your settings).

Completing a goal is a big deal. It's the whole point of Kivvo. Take a moment.

You can delete a goal. Deleting is different from archiving:

• Archiving hides the goal but preserves everything, and it can be restored.
• Deleting removes the goal from your account permanently.

When you delete a goal:

• The goal itself is removed.
• Contribution history is preserved for your records (so your account balance and history remain accurate).
• Any remaining saved amount in the goal is moved to your Kivvo Saver unallocated balance.
• Priority settings that referenced the deleted goal are updated automatically.

If you're not sure you want to permanently delete a goal, archive it instead. You can always delete it later.

When you contribute to Kivvo, your contribution is split across your active goals according to priority. Here's how that interacts with Kivvo Saver:

• If you have no active goals, contributions go to your Kivvo Saver unallocated balance.
• If you have active goals, contributions are allocated to them by priority. Any remaining amount after all active goals are filled goes to Kivvo Saver.
• If all your goals are complete, contributions go to Kivvo Saver.

The Saver balance sits ready for whenever you want to allocate it to a new or existing goal.

For full details, see our Contribution Terms.

For each goal, Kivvo shows:

• Amount saved vs. target
• Percentage complete
• Contributions made toward this goal
• Estimated completion date (based on your current contribution rate)
• Recent activity — the latest contributions

On Kivvo+, additional analytics are available:

• Contribution forecasting — where you'll be at future points
• Goal velocity — how fast you're progressing
• What-if scenarios — how changes to your contributions affect the timeline
• Multiple schedules per goal — set up more than one schedule for the same goal

Yes. Free users can have up to 5 active goals, Kivvo+ users up to 10.

The goal is marked complete, and further contributions are allocated to your other active goals (or Kivvo Saver if there are none).

The goal stays active. You can keep contributing, change the target, or archive it.

The saved amount moves to your Kivvo Saver unallocated balance. It's still your money.

Yes, at any time. If you lower the target below what you've already saved, the goal completes immediately.

Not currently. Goals are personal to each account. We may add shared goals in the future.

You'll need to archive down to 5 to fit the Free plan. Your goals and history are preserved either way.

Yes, at any time. Future contributions follow the new priorities. Past contributions stay where they were allocated.

The details are in our Contribution Terms. In short: contributions are split across your active goals by priority, using a fixed allocation formula. The more goals you have, the more the split matters.

For more information, see:

• Contribution Terms — how contributions are allocated to goals
• Fees & Charges — what Kivvo charges for
• Payouts Policy — how Kivvo Payouts works
• Kivvo+ Membership Terms — the terms of the Kivvo+ subscription
• Privacy Policy — how we handle your personal information

If you have a question about savings goals that isn't answered here, please submit a support ticket via the Support page. We don't use email for support.

This page was last reviewed on 5 October 2026.