diff --git a/src/planning/planning.module.ts b/src/planning/planning.module.ts
index c582b2e..cf92106 100644
--- a/src/planning/planning.module.ts
+++ b/src/planning/planning.module.ts
@@ -1,8 +1,10 @@
 import { Module } from "@nestjs/common";
+import { NotificationsModule } from "../notifications/notifications.module";
 import { PlanningController } from "./planning.controller";
 import { PlanningService } from "./planning.service";
 
 @Module({
+  imports: [NotificationsModule],
   controllers: [PlanningController],
   providers: [PlanningService],
 })
diff --git a/src/planning/planning.service.ts b/src/planning/planning.service.ts
index 6e49c84..b60eeff 100644
--- a/src/planning/planning.service.ts
+++ b/src/planning/planning.service.ts
@@ -1,5 +1,6 @@
 import { BadRequestException, Injectable } from "@nestjs/common";
 import { Prisma } from "@prisma/client";
+import { NotificationsService } from "../notifications/notifications.service";
 import { PrismaService } from "../prisma/prisma.service";
 import {
   CreateHouseholdBudgetDto,
@@ -12,7 +13,10 @@ import {
 
 @Injectable()
 export class PlanningService {
-  constructor(private readonly prisma: PrismaService) {}
+  constructor(
+    private readonly prisma: PrismaService,
+    private readonly notifications: NotificationsService,
+  ) {}
 
   async listBudgets(userId: string, householdId?: string) {
     const where: any = householdId
@@ -87,6 +91,7 @@ export class PlanningService {
       },
     });
     await this.audit(userId, "planning.personal_goal.create", { goalId: goal.id });
+    await this.notifyGoalAutomation(userId, goal, null, "created");
     return this.withGoalProgress(goal);
   }
 
@@ -103,6 +108,7 @@ export class PlanningService {
       },
     });
     await this.audit(userId, "planning.personal_goal.update", { goalId, fields: Object.keys(dto) });
+    await this.notifyGoalAutomation(userId, goal, existing, "updated");
     return this.withGoalProgress(goal);
   }
 
@@ -260,6 +266,50 @@ export class PlanningService {
     return { ...goal, progressPercent: target > 0 ? Math.min(100, Math.round((current / target) * 100)) : 0, remainingAmount: this.round(Math.max(0, target - current)) };
   }
 
+  private async notifyGoalAutomation(userId: string, goal: any, previous: any | null, reason: "created" | "updated") {
+    const current = this.toNumber(goal.currentAmount);
+    const target = this.toNumber(goal.targetAmount);
+    const progress = target > 0 ? Math.min(100, Math.round((current / target) * 100)) : 0;
+    const previousProgress = previous
+      ? Math.min(100, Math.round((this.toNumber(previous.currentAmount) / Math.max(this.toNumber(previous.targetAmount), 1)) * 100))
+      : 0;
+
+    if (progress >= 100 && previousProgress < 100) {
+      await this.notifications.notifyUser(userId, {
+        type: "goal.completed",
+        severity: "info",
+        title: `Goal completed: ${goal.name}`,
+        body: `You reached ${goal.isoCurrencyCode} ${this.round(target).toFixed(2)}.`,
+        metadata: { goalId: goal.id, progress },
+      });
+      return;
+    }
+
+    const crossedMilestone = [25, 50, 75].find((milestone) => progress >= milestone && previousProgress < milestone);
+    if (crossedMilestone) {
+      await this.notifications.notifyUser(userId, {
+        type: "goal.progress",
+        severity: "info",
+        title: `Goal progress: ${goal.name}`,
+        body: `You reached ${crossedMilestone}% of this goal.`,
+        metadata: { goalId: goal.id, progress, milestone: crossedMilestone },
+      });
+    }
+
+    if (reason === "created" && goal.targetDate) {
+      const daysUntilTarget = Math.ceil((new Date(goal.targetDate).getTime() - Date.now()) / 86400000);
+      if (daysUntilTarget >= 0 && daysUntilTarget <= 30) {
+        await this.notifications.notifyUser(userId, {
+          type: "goal.target_date",
+          severity: "warning",
+          title: `Goal due soon: ${goal.name}`,
+          body: `Target date is in ${daysUntilTarget} day(s).`,
+          metadata: { goalId: goal.id, daysUntilTarget },
+        });
+      }
+    }
+  }
+
   private inferCadence(dates: Date[]) {
     const gaps = dates.slice(1).map((date, index) => Math.round((date.getTime() - dates[index].getTime()) / 86400000));
     const average = gaps.reduce((sum, gap) => sum + gap, 0) / gaps.length;
diff --git a/test/planning.service.spec.ts b/test/planning.service.spec.ts
index 5c2dfe1..88350a6 100644
--- a/test/planning.service.spec.ts
+++ b/test/planning.service.spec.ts
@@ -20,8 +20,9 @@ const createService = () => {
     transactionRaw: model(),
     auditLog: { create: jest.fn() },
   };
-  const service = new PlanningService(prisma as any);
-  return { service, prisma };
+  const notifications = { notifyUser: jest.fn() };
+  const service = new PlanningService(prisma as any, notifications as any);
+  return { service, prisma, notifications };
 };
 
 describe("PlanningService", () => {