What's new.

A small patch for "Reset all data", which could fail to complete for anyone who had assigned an overflow account.

Fixed

• Reset all data works again; it could fail when your profile had an overflow account assigned.

This release sharpens how goals are funded and shows the reasoning behind each one: when every contribution lands, how much comes from your money versus growth, and one model driving both the goal and its outcome, so they always agree.

Added

• A contribution schedule on each funded goal: tap through to see when funding starts, ramps, and finishes.
• Funded goals break down how much of the projection comes from your contributions versus interest and growth.
• Landing page prices show in your local currency.

Changed

• Goals are framed around funding now versus waiting, so the cost of starting later is clear.
• A goal's projected date and verdict come from the same projection everywhere they appear, so the goal row and its outcome never disagree.
• Freed budget flows down your goal priority order, capped at each goal's monthly amount, so a completed or paused goal never overfunds the next one.

Fixed

• Deposits no longer exceed a goal's set monthly amount.
• Backup restore and bulk deletes are now all-or-nothing, so an interrupted operation can't leave your data half-changed.

Mostly behind-the-scenes corrections to how goals are funded, plus clearer guidance when a goal falls behind.

Changed

• Off-track goals show the monthly amount needed to stay on schedule, with a one-click raise when the budget can cover it.
• Over budget reads as goals queued behind one another rather than an error.
• Unallocated surplus is flagged as excluded from your projection until it is assigned to a goal.
• Cash on the balances screen is labelled "balance" rather than "net worth".

Fixed

• Numerous goal funding corrections so projected dates and account balances stay accurate.

This release walks you in from the first screen and ends your first session with a clear picture of what your plan changed.

Added

• Saving a plan now shows what changed: which goals moved, your net worth, and anything that needs a look.
• A guided checklist greets an empty first screen and walks you through setup.
• Growth goals can skip a target amount, so open-ended saving works.
• Budget surplus now feeds your goals.
• Windows downloads.

Changed

• The briefing is laid out in wide zones, so it reads at a glance instead of one long scroll.
• Reordering goal priority is easier to find and adjust.
• Your currency symbol shows consistently across money fields, the goal form, and the forecast chart.
• "Already saved" sits up front when you set up a goal.
• The landing page shows the product inline, story first, with link previews when shared.
• Retired the default-account concept for simpler, more predictable accounts.
• Asset-backed goals are marked experimental for now.

Fixed

• The impact reveal stays centered, survives a reset, and behaves under repeated renders.
• "Already saved" no longer jumps to round numbers as you type.
• Corrected the briefing wording after the account change.

I said I'd release 0.1 the moment I was happy with the first version, not before. I'm there. I held it back about as long as I could stand, partly because I wanted the onboarding to actually walk you in rather than drop you in front of a blank forecast and wish you luck.

So this is the first beta. This week I'm emailing keys to a small handful of people. Not a launch, more like opening the door a crack to see who walks through and what they trip over.

There's still plenty I have in mind to build. I'll be doing some cleanup while the first testers poke at it, and honestly that's the point of letting people in now: I want the feedback while the thing is still soft enough to reshape. I'm hoping it's already in a stable enough state to be genuinely useful, and that the value comes through clearly enough to be worth your time.

Feedback is very welcome. Tell me what's confusing, what's missing, what you wish it did. The UI and the way things work can and will keep moving from here. But from this point on, any big change gets written up here in an update, so you're never guessing what shifted under you.

Next on my list: the landing page. The product's finally close to how I want it to look and feel, so it's time the page out front actually showed more of the real Farcast instead of describing it.

If you're one of the first few: thank you for trying it this early. It means a lot.

— Monty · [email protected]

For years my financial plan lived in a Google Sheet. Money in, expenses, what's left for savings and investments. A second tab for goals. That's it.

It worked, until it didn't.

My budgeting app handles the money I already have. It takes what's in the account and slices it into categories. Great for tracking, great for a high-level view of where things should go. But it falls apart the moment I ask the question I actually care about: not where my money went, but where it's headed. Which account should this go into to grow? Which goal does it get me closer to, and when?

Because I don't have one account. I have a handful, each growing at its own rate, ETFs and stocks and a few other things I'm hopeful and nervous about in different measures. And my goals don't line up either: some have a hard date, some are just eventually. The only thing that isn't independent is my income. One limited pool, feeding all of it at once.

So every time something changed (a raise, a new goal, a rough month, losing a job, or just spending more than I should've) I'd reopen the sheet and redo the math. And I do overspend sometimes. A plan that can't survive me living a little isn't a real plan. But are the goals still feasible after? When do they land if I move money around? No picture. Just gut feeling and ad-hoc math, every time.

I got tired of doing that math. So I built the thing that does it for me.

Farcast takes my accounts (with their real return ranges), my budget, and my goals, then projects years ahead and tells me, plainly, whether the plan works. Move money between accounts, push a goal's date, add a new one, and the forecast updates to show what each choice did. The question stops being "let me redo the spreadsheet" and becomes "will I get there?", answered.

I made it for myself. Then I showed a friend, and watching him want it made me think the rough idea was worth polishing into something other people could actually use.

I'm still building 0.1. I'll release it the moment I'm happy with the first version, not before. This landing page is the first step: a place to see what Farcast is and join the waitlist. I'll email you when it's ready, and nothing else.

— Monty · [email protected]

Added

• A home for Farcast, with the waitlist open.
• This Updates page, where founder notes and release notes will land.