Quicken had a nice feature called 'savings goals' which I'd love to see in MD

Essentially, you set a goal and a deadline - there'd be a simple bar chart comparing planned progress with actual progress (the planned progress would be linear from start to end date).

Money put in the savings goals would 'disappear' from the account register as a transaction, but no real money left the account. For reconciliation purposes, the savings goals were ignored - and a click could toggle their visibility in the register.

These could be useful for building up a 'buffer' for instance, e.g. put 50 quid aside each month, and so each month the user would be 50 quid further from an overdraft. If the savings goal were deleted, the money would simply reappear as no 'real' cash had moved.

Frankly, I know I haven't explained them tremendously well, and their utility is mostly psychological, but I did find them very useful.