Runway

Each person sets their own monthly savings capacity. Shared goals split by the rule above unless a goal sets its own; goals one of you owns are theirs alone. The figure in brackets is what the other split rule would ask.

Your combined liquid balance if you both save your full capacity every month, compounding at your assumed return — with a dip wherever a purchase goal is spent, and a marker where a reserve goal hits its target without being spent.

How much a month you'd need to set aside for each active fund, and when — assuming an even, flat contribution from today until each goal's date. A fund drops out of the stack the year it's due.

Edit any field, recolor a fund, or add one of your own — the monthly figure and both charts above recalculate immediately. "Already saved" is money you've earmarked for that specific goal; it should already be part of your starting liquid savings above, not extra on top of it.