The ability to set monthly budgets that left over money can roll over into other months. This can help with saving for quarterly payments without looking like going way over budget when you make them, or spending money from that budget before the time comes. For us this example would be for vet appointments, insurance, oil changes. This could also have a feature that if I needed to make big payments for home repairs or emergencies, it would remove money from the upcoming months’ budget in those categories as a way to keep from overspending for the year, and keep savings on track when big expenses inevitably occur.