diff --git a/backend/app/ai.py b/backend/app/ai.py
index 79cde69..e794f8c 100644
--- a/backend/app/ai.py
+++ b/backend/app/ai.py
@@ -117,7 +117,8 @@ def _answer_direct_fact_question(question: str, context: dict[str, Any]) -> str
             "in monthly dividend income to reach your target."
         )
 
-    if "progress" in normalized and ("goal" in normalized or "target" in normalized):
+    asks_progress = "progress" in normalized or "tracking" in normalized
+    if asks_progress and ("goal" in normalized or "target" in normalized):
         return (
             f"You are {context['progress_percent']:.2f}% of the way to your "
             f"{_format_currency(context['monthly_target'])}/month target."
diff --git a/backend/tests/test_ai.py b/backend/tests/test_ai.py
index ed64549..e3956ae 100644
--- a/backend/tests/test_ai.py
+++ b/backend/tests/test_ai.py
@@ -38,6 +38,27 @@ def test_answer_portfolio_question_answers_current_monthly_income_directly(
         self.assertEqual(answer, "Your current monthly dividend income is $10.20.")
         mock_post.assert_not_called()
 
+    @patch("app.ai._portfolio_context")
+    @patch("app.ai.requests.post")
+    def test_answer_portfolio_question_answers_goal_tracking_directly(
+        self,
+        mock_post,
+        mock_portfolio_context,
+    ) -> None:
+        mock_portfolio_context.return_value = {
+            "monthly_income": 10.2,
+            "annual_income": 122.4,
+            "monthly_target": 5000,
+            "progress_percent": 0.2,
+            "remaining_monthly_income": 4989.8,
+            "holdings": [{"ticker": "SCHD"}],
+        }
+
+        answer = answer_portfolio_question("How am I tracking toward my goal?")
+
+        self.assertEqual(answer, "You are 0.20% of the way to your $5,000.00/month target.")
+        mock_post.assert_not_called()
+
     @patch("app.ai._portfolio_context")
     @patch("app.ai._get_openrouter_headers")
     @patch("app.ai.requests.post")