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Should Quicken add “Savings / Investments” as a separate category type for budgeting?

Loveth

Quicken currently allows categories to be classified as Income or Expense. However, savings and investments are neither income nor true spending.

I would like the Budget feature to separately track money intentionally allocated toward savings and investments.

For example, if I plan to save $5,000 per month, the budget should show:

• Savings target: $5,000
• Actual amount saved/invested
• Remaining amount needed to reach the target

Transfers between my own accounts should not be counted as expenses, but I still want those savings allocations visible and measurable within my monthly budget.

Examples include emergency savings, investment contributions, FHSA contributions, down-payment funds, and other financial goals.

Ideally, the Budget summary would distinguish between Income, Expenses, Savings/Investments, and Remaining Cash Flow.

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Comments

Jim_Harman

If you have separate accounts in Quicken for your savings and investments, you can already include transfers to those accounts in your budget.

NotACPA

Transfers between accounts I.E., to/from Saving & Investment accounts are NOT income or Expenses. They're Cash Flow.

Income items increase your net worth and expenses reduce it. Transfers do neither.

And, as @Jim_Harman you can already track these transfers.

q_lurker

Managing accounts included and excluded from reports is an adequate tool for me.

Chris_QPW

I'm not sure if this idea is for Quicken Windows or Quicken Mac since it is posted in a Windows category but @Loveth's profile says Quicken Mac.

From what I understand Quicken Mac's choices in budgets are more limited than in Quicken Windows, and as such possible answers are different.