Virtual Accounts (VAs) or Buckets
Based on the current "Saving Goals" concept in Quicken, it would be nice to have the "Virtual Accounts (VA)" concept. They work the same way as savings goals, except they do not have target end date and users can transfer funds in and out the same way as real accounts. For example, a user can create "Auto VA". They can on a regular basis automatically transfer money into this VA using the reminder mechanism, the same way they can today in saving goals. The money inside the VA can be based on one or more real bank accounts, such as savings or checking. Users can create many VAs, such as Project VA, Utilities VA, and Tax VAs. Users can set up regular contributions or withdrawals from the VAs to cover budget plans. I am personally using "Saving Goals" for this purpose, but it would be great to have permanent virtual accounts or buckets to allocate funds to cover irregular, monthly, quarterly, semi-annual or annual costs.