By Gabriele Denaro · Published 16 July 2026 · Updated 6 October 2026
A goal like €60,000 means little until it has a date and is compared with how fast you actually move. Without them it is a wish. With them it becomes a projection you can check every month, and the checking is what keeps it honest.
Suppose your net worth is €30,000 and the goal is €60,000 in five years. You need €30,000 more over 60 months, which is €500 a month. If your net worth has grown by €350 a month on average lately, at that pace you would need about 86 months, a little over seven years. Patrimony does this calculation for you. It takes the average monthly change in your net worth over recent months, which includes both what you saved and what markets did, and compares it with the pace the goal requires.
If your pace reaches the goal before the date, you are ahead. That is good to know and not a reason to take more risk than you are comfortable with. If it reaches the goal after the date, you have three honest options: save more, move the date, or accept a different result. All three are legitimate. The one bad option is pretending the gap is not there.
It depends on what the goal is for. A goal about financial independence usually should include retirement accounts, because they are part of what will support you. A goal such as a down payment on a house usually should not, because you cannot reach that money for it. Patrimony lets you exclude retirement savings from the goal, which is why this is a setting and not a fixed rule.
Look at the projection every month and change the goal rarely, for example once a year or when your life changes. A projection extends a recent pace into the future, and markets do not keep to a pace. Treat the result as a way to ask whether your plan still fits, not as a promise.
General educational information, not personal financial, tax or legal advice. It may be incomplete or out of date. Terms of use.