I'd love to know a fully-explained answer on how best to reflect this in Quicken. Last year - I think i made a mess of things. In June, any category that had a decent amount of rollover I started transferring those collective amounts from Checking (and categorizing the transfer based on the Budget Categories) to Savings, then contributing those amounts to broader Savings Goals. When I needed the funds back to checking, it became a little complicated and, at times, the transfers from Savings back to Checking created issues in the Budget. I'm certain there's a better way! "David Christopher" provided a helpful post I found from the past, but I'm still not sure if that's the best.