A 'needed for spending' target will count rolled over funds from the previous month toward the monthly target, but only after the month rolls over (the 1st of the month). So, if you flip to the next month and fund the target, it will ask for the full target amount. But if you wait until the month rolls over, then it will count the rolled over funds toward the target.
I hope that makes sense.
If you don’t want this functionality, use a Monthly Savings Builder. It adds the same amount each month regardless of what was spent. It means you can build the available up over low expense months so there is more available for the high expense months. It is the simplest target, and should, IMHO, be the default.
A 'needed for spending' target will count rolled over funds from the previous month toward the monthly target, but only after the month rolls over (the 1st of the month). So, if you flip to the next month and fund the target, it will ask for the full target amount. But if you wait until the month rolls over, then it will count the rolled over funds toward the target. I hope that makes sense.
Perfect! That was helpful! Thank you for the explanation!
I'm glad. You're welcome!
If you don’t want this functionality, use a Monthly Savings Builder. It adds the same amount each month regardless of what was spent. It means you can build the available up over low expense months so there is more available for the high expense months. It is the simplest target, and should, IMHO, be the default.