Saving for something
A goal is a name and an amount: a car, a deposit, three months of rent. You put money aside toward it, and the app tells you how far along you are.
What makes the number trustworthy is that MonVa does not keep a private tally.
The money actually moves
A goal is held in a savings account. Setting money aside is an ordinary transfer into that account, and it appears in your history like any other: you can open it, edit it, or undo it.
Where the money physically sits is your business. A jar on the shelf, a bank deposit, an envelope. The account is how MonVa knows about it; it does not care where it lives.
Two buttons do the work. Set aside moves money in. Take back moves it out, to whichever account you choose.
Progress is read, not remembered
MonVa never stores “you have saved 1,240”. It reads the goal’s account and works it out each time.
That sounds like a detail and it is the reason the figure can be trusted. A stored total is a second version of the truth, and the two drift apart the first time you edit an old transfer, delete one, or the app syncs a change from another device. There is nothing to drift here.
It also means the goal reacts to everything, not just to the button. Spend from the savings account and the goal goes down, because the money is genuinely gone. The alternative would be a progress bar that keeps claiming money you can see is not there.
One goal, or several, on the same account
One goal on an account: the goal is the account. Every movement counts — money in, money out, whether you tagged it or not. Rows entered by hand count too.
Several goals on one account: only their own contributions count. Nothing else can divide a single balance between two goals, so MonVa does not guess. A withdrawal that belongs to neither is left out rather than taken from whichever one happens to be listed first.
A jar cannot be overdrawn
You cannot take out more than the account holds. A current account may go negative — an overdraft is a real thing that happens to people — but money that was never set aside cannot come out of a jar.
For the same reason, you do not pay for the groceries straight from savings. Money leaves a jar by coming back to an everyday account, and it is spent from there. Two steps, and both of them are things that really happened.
One exception worth knowing: the check does not run across currencies. Comparing a hryvnia withdrawal against a euro jar would mean converting, and a rate that moved between typing and saving could refuse a withdrawal that is perfectly fine. See currency conversion for how rates are handled elsewhere.
When you delete a goal
The goal and the money are separate things, so MonVa asks what to do with the money rather than deciding for you: leave it where it is, or move it back to an everyday account. Deleting the goal never deletes the savings.
Reaching it
When the account holds the target, the goal is marked as reached, and the date is kept. That date is the one piece of state MonVa does store, because reaching it is a thing that happened on a day, and later spending does not un-happen it.
The savings are still yours to spend. That is what they were for.
Where to go next
Goals live on savings accounts, so it is worth knowing how accounts work first, and how MonVa keeps savings out of the “safe to spend” figure on the home screen.