Feature Request: Multiple Target Date Balance Goals Per Category
I've mentioned this already in a few other threads but feel it deserves its own thread in the hopes that it becomes a much bigger focus moving forward. I think this feature would be a game changer for so many people.
Effectively, we should be allowed to create multiple target date balance goals in a single category where YNAB will then automatically adjust and calculate how much we need to be saving for this category.
An example of how this might be useful are my professional membership dues. I have three different memberships, each renewing annually in March, June and November. By allowing us to create three separate target-date balance goals in a single category called "Membership Dues", YNAB could then automatically adjust and calculate how much I need to set aside each month for this category.
Without this feature, it requires either a lot of manual calculation on my part or I have to break those 3 memberships into their own categories which I don't want to do.
What needs to happen for the YNAB developers/team to really bring this to the forefront.I know it's a feature that has been requested from the very beginning and I honestly think it simplify many people's budget categories moving forward.
break those 3 memberships into their own categories
It isn't obvious, but separate categories is very likely (92% chance on average) to tie up more money than necessary due to the startup phase. This is permanently tied up, and can be a significant portion of the total category's funding. See this thread for more details.
I have a question about this idea (which I like very much, to be clear).
Do you think this would be as useful if the goal were based purely on scheduled transactions?
The reason I ask is:
Allowing multiple goals per category is a big user interface change, and it raises all kinds of implementation questions. But we already have a way within YNAB to specify future outflows in a category—scheduled transactions!
And given the list of upcoming transactions in a category and the current amount Available in the category, you have enough information to calculate how much to budget this month to be on track to cover all of those future outflows.
Just spitballing here!