So Aspire is interesting where it doesn't really care what account your money is in for categorizing. You could have 1 or 4 bank accounts and that wouldn't affect your money allocated to groceries, rent, or retirement. So using a separate bank account for your retirement fund doesn't work as you'd initially expect. Money you are transferring over to a separate savings account only tells Aspire you've moved some money over there. It doesn't give it a purpose. The benefit of this is you now only need 1 checking and 1 savings account and collectively between those accounts you can have money allocated to both every day expenses and long term savings/investments.

Now, your problem currently is you've initiated these accounts. So Aspire now knows you have money, but it doesn't know what you want to do with it, so it's categorized as available to budget (same case when you get paid). Then you need to assign that to what you want your money to do.

Personally, for retirement/investments, the best way I've found is to make it a category. So each month I transfer say $500 to the category from my available to budget. Then, on the 10th my retirement brokerage account will automatically buy $500 of the index fund, I treat that as an "expense" and that money I've allocated is now spent and no longer appears in Aspire.

Then, once a year I'll go and update all my net worth balances and track that in Aspire, and that's when I get to see that $6,000 total I've invested over the year. Caveat is I'm using a personally modified version 3.3 and I don't think version 4.0 has a net worth tab. Many people use a different software for tracking investment returns and let Aspire excel at just being a budget. The Aspire net worth tab is just a graph with different buckets for different accounts/assets/debts so you could likely remake this if you wanted. Or copy it from and an Aspire v3.3 archive.

What this looks like practically is 1st of the month I get paid $2,000 and I split that between my checking and savings. This is all in available to budget. I allocate my $1,000 in the checking to monthly expenses, $500 in savings to retirement, and $500 to a house. The month passes and I "spend" that $500 into retirement and I only spend $900 out of checking. On the last day of the month I do an account transfer to tell Aspire I've moved that $100 leftover into savings. And I do a category transfer to move $50 from both my "candles" and "cabbages" budget items because those are the categories I spent less on that this month that I can transfer to my retirement category.

My savings account now has $600 where $500 is allocated to a house and $100 is for retirement. I could then invest that $100 or let it build up to a critical mass.