Is there any integrated way -- other than manually with notes -- to set some kind of maximum that I want to have in a category?
For some of my categories -- car maintenance, clothes, and decorating, for example -- I want anything left over at the end of the month to accumulate, but only to a certain point. After that point, I'd probably transfer the excess (or budget less, but it gets to the same point) to some other category.
I get that I can set a goal but a) it's not really a goal and b) I don't want it to feel like I'm failing to fund a goal when in reality I'm succeeding in gradually improving and accumulating some cushion. As far as I can tell, though I may have missed something, the goals "nag" me to fund more if I'm short of my cap, and I don't want the app to make me feel like I need to put more in a category or replenish spending when that isn't my purpose.
Is there such a thing that I'm just not seeing?
There's a Toolkit feature where you can something red if you go over the set amount. That might be for the budgeted amount, though, not the Available.
The old Target Balance no date goal (don't remember what it's called now) can act as a cap, but without a monthly contribution.
Basically, I think you have to pick one side to be manual still - either cap or contribution.
The new spending goal lets you put a cap on with monthly contributions, sort of, but it only goes live as the calendar changes, so it's more of a hassle than just sweeping carries at month's end for me.
Many people have asked for what you're asking for. Join in with a feature request?
Supposedly, YNAB is working on more goal things, and it wouldn't hurt to put this back in front of the developers.