[jkeuhlen]

Basically every major budgeting app I've looked at doesn't allow rolling buckets of money. For example, my wife and I budget $X per month for travel, but we only travel once or twice a year. What I'd really like to be able to do is allocate some amount every month to certain activities and have my budget keep track of how much I've saved for that purpose.

On the other side, sometimes it's hard for us to reconcile our food budget between months. If we have a big grocery trip on the last day of the month, we kind of expect to spend less the next month but won't always remember that when we go reconcile our budget.

[Jtsummers]

YNAB does that. It's one of the things that keeps me on it. My wife is going home to Argentina in October for a month, we've started setting aside an amount of money each month to cover her costs while there (she'll be staying with family so this is money to cover meals/drinks out and things she wants to buy there that aren't easy to get here). The amount builds up to our target for this trip.

The same thing for groceries or any other category. If I budget $300/month normally for groceries, but only spend $200 this month, I have $100 leftover for next month. I can choose to budget the full $300 like normal (have a balance of $400 available) or just $200 to bring it up to my target balance.

[anotherman554]

Mint.com's budget feature let's you choose to roll over money.

[Jtsummers]

Is Mint's budget still based on an estimation of income and not real income/cash-on-hand?