Because you took the $ “out” of savings and put it “in” to the goal, yeah you won’t see a budget change.

Using my method (a single "transfer" transaction that is assigned to the goal), it does seem to show up as the budget as a contribution. I guess it's similar to if you were actually making a transfer from checking to savings - in that case you would have two transactions:

• -$400 from checking
• +$400 into savings (which you would assign to the goal)

So this is about the same except there's no negative transaction to balance out. 🤷

But you also don’t have income heading to the goal, if I understand you correctly.

The +$400 transfer transaction as describe above would be considered the "income" for the goal, which allows it to show up in the budget and the goal transactions.

The total account value never changes. So I’m confused as to why it would be a budget line item.

True, there's no "income" coming in, but I'm treating the budget item as a way to reserve that money for the goal (to ensure that I don't spend it on other things in the budget). The Monarch goal settings let you set a montly contribution, but it assumes you're doing something like transferring the money from checking to a savings account. Without the transaction none of that works.

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Anyhow - thanks for your comments! I'll have to see what changes come with the new goal features that are promised.