Financial goals for 2027
Take control of your money and build wealth.
Money goals need a number and a system. The number tells you when you are done; the system, such as an automatic transfer or a monthly budget review, does the work when motivation drops. These five goals go from safety (an emergency fund, no credit card debt) to growth (retirement savings, a second income). Most people do best when they finish the safety goals first. These are general ideas, not financial advice: adjust the amounts to your income and costs.
Start with these 5 goals- 1
Build $10K emergency fund
1-year goalPersonalFirst step: Automate $500/month to savings
Track it: Check the balance on the first day of each month. Split the goal into 20 steps of $500.
- 2
Pay off all credit card debt
1-year goalPersonalFirst step: List all debts by interest rate
Track it: List each card with its balance. Update the total once a month and cross off each card you clear.
- 3
Max out retirement contributions
1-year goalPersonalFirst step: Increase 401k by 2%
Track it: Check your contribution rate after each raise. Review the yearly total in December.
- 4
Create a monthly budget and stick to it
1-year goalPersonalFirst step: Try a budgeting app such as YNAB
Track it: Compare your spending with the budget at the end of each month. Choose one change for the next month.
- 5
Build a passive income stream
3-year goalPersonalFirst step: Research dividend investing
Track it: Record what it earns each month. Start with a small first target, such as $50 a month.
Track these goals for free
Create a free account and add these 5 goals in one tap. Keep the ones you want and mark your progress every week.
Start with these 5 goalsFree to start. No credit card needed.