Welcome, @cbra, 
Thanks for the feedback here, folks! I’d recommend adding feature requests for improvements you’d love to see to this Savings Goal Tracker.
While you definitely can use this for tracking retirement and other longer term goals, it’s best used for shorter term/small goals because of the limitation with only being able to track with one account per goal. There are other retirement specific tracking solutions here in the Community for tracking these bigger goals that need to factor in multiple accounts and other variables. Our goal was to keep this really simple. The template becomes really complex (and more confusing to use/setup) when you start trying to assign multiple accounts to a single goal or allocating percentages of an account to partially fund multiple goals.
@jdinning thanks for your questions. It’s meant to be used with an actual account that’s just for saving, not every day use. There isn’t a way to allocate some portion of an account to a specific goal and another portion to a different goal or every day use.
I highly recommend opening an actual savings account and move your savings to that account rather than leaving it in your checking account. There are some great high interest rate savings options out there from SoFi, Capital One, Amex and others. Your money could be making money for you and there for goals when you’re ready to spending it!
One tip for working within the waterfall approach is to rank your least expensive goals lower than more expensive goals so you can see that those are fully funded and then the % of funding you have for the bigger goals. The ranking is within each account and can be fractional. E.g. three goals for the “AMEX SAVINGS” might be ranked 1.1, 1.2, and 1.3.
Welcome, @cometgrrl
If you go into the hidden columns out right in the Savings Goal sheet and change cell Q3 from J to F you’ll be able to differentiate between the accounts by last four digits and last four of a unique account ID assigned by Tiller’s systems. You can unhide those columns by clicking the small black triangle at the right of column Q’s edge.
