Similar to YNAB, but have an "advanced options" text button to open up options for power users.
Needed For Spending
Use for: groceries, gas, holidays, Christmas, vacations, etc.
Fund up to this amount, with the ability to spend from it along the way.
Target Savings Balance
Use for: down payment, emergency fund, etc.
Save this amount over time and maintain the balance by replenishing any money spent.
Use for: savings goals with an unknown target
Contribute this amount every month, no matter what, until you disable this goal.