Reconcile Savings Budget w/ actual balances

Welcome to Tiller and the Savings Budget, @thomasnjefferson! That’s a great question. One of the riddles of the Savings Budget is connecting the “virtual” savings you accrue in categories to real world money in an account— either discrete accounts or with one account containing savings from multiple categories.

It is an imperfect solution, but you may find that the Savings Goal & Debt template helps in this domain.