Here&#x27;s how I do YNAB-ish budgeting, I think it&#x27;s similar to what you said except using virtual subaccounts instead of a parallel hierarchy: <a href="https:&#x2F;&#x2F;gist.github.com&#x2F;simonmichael&#x2F;a1addcb652da4e78b183" rel="nofollow">https:&#x2F;&#x2F;gist.github.com&#x2F;simonmichael&#x2F;a1addcb652da4e78b183</a>