We have many irregular expenses that we save up for. 1/2 beef purchase in the fall, 50 chicken purchase in the summer, poultry feed purchase every 3 months, hay purchase in August, emergency fund set-aside, house paint fund, etc… There is money in my account for these, but I need to track how much money is earmarked for each purpose, and also from every deposit or bi-weekly paycheck. This way I know how much of my paycheck is “available” for something else.
Sounds like you want to use our category budgets. https://www.youtube.com/watch?v=euaWN4UEyjs But, you want them to be able to span more than a calendar month like they currently do. We are planning an upgrade to our main browser tool early 2019 which will include performance enhancements along with many new features such as a major upgrade of categories, including the ability to have category budget's carry forward (envelope budgeting).