SMART goals are goals written using a simple framework designed to make them clear and achievable rather than vague and aspirational. The letters stand for Specific, Measurable, Achievable, Relevant and Time-bound.
'Save more money' is a wish. 'Save £100 a month into a separate account for six months' is a SMART goal — specific, measurable, time-bound and easy to check. The framework turns good intentions into something you can actually act on and track, which is exactly why it's so widely used in work, study and personal goal-setting.
SMART works best paired with a clear first step and regular reviews. Our free SMART goals template walks you through it, and our guide to goals that stick covers turning goals into lasting habits.