Category targets are available and are more flexible than YNAB, but it’s still in an experimental phase so it’s not fully integrated into the GUI. Check here: https://actualbudget.org/docs/experimental/goal-templates/ I’ve had zero problems so far though.

I love Actual. So, so good. I cancelled YNAB in favor and can’t ever think of going back. Aside from not having to pay $100 a year you’re also not supporting the Mormon Church (YNAB is a Mormon-run company).