Goals & projects
Saving without a goal is like rowing with no bearing. With Goals and Projects (Ultra plan), you give your money a destination and a date — and Ozorys calculates precisely the effort required.
A goal, a date
A goal is an amount to reach by a precise deadline: a trip next summer, a down payment, a piece of equipment. You set the sum and the date; Ozorys translates that dream into a concrete trajectory, month after month. The project stops being a vague intention and becomes a workable plan.
Three ways to fund a project
All of Ozorys' craft is here: a project can be funded in three ways, and you choose which — along with the envelope that carries it:
- As a fixed charge: a recurring sum set aside, like a subscription to yourself.
- As a variable expense: it then weighs on your disposable income, like an everyday spend you take on.
- As savings: set aside first, without touching your daily budget.
The choice is not cosmetic: it determines the real effect on your disposable income. The same envelope weighs differently depending on whether it is treated as savings, a fixed charge or a variable expense — and Ozorys applies exactly the right logic.
The cumulative-surplus curve
Ozorys' Projections extend the line: they trace the curve of your cumulative surplus, month after month, and open a detail page for you. You no longer see only the current month, but the slope your wealth is climbing. A rising curve is worth every lecture on discipline.
Module quiz
Test your knowledge
Name a project
Choose a project close to your heart and give it an amount and a date. Decide how to fund it — savings, fixed charge or variable expense — and watch the suggested trajectory. Naming a goal already brings it closer.