Right now lunch money is great at tracking spending, but not so good for tracking amounts set aside for a specific purpose. It would be awesome if you could set savings goals that you could contribute to in the budget section and that would go up and down in value when you debit/credit a transaction to that category. Especially for those used to an envelope system, being able to set aside $50 a month to buy Christmas gifts in the winter would be great, but right now the only way you can try to imitate this is with the rollover function - which doesn't really work when trying to add up all you have in your budget to compare against your income for the month. For me, the ideal would be another "savings" window in the Finance section where you could track savings goals. In set up, you could denote that the category is a savings type, and then in the savings tab you could view a bar or pie graph or some graphic to see how close you are to reaching your goal amount. Again, as you debit or credit transactions to the category, this progress would be impacted. Essentially, it'd be like creating an online envelope.