Hi Janet - I'm glad you asked! You can use a Goal Envelope for those one-time savings amounts that are two years in the future. When you do, Goodbudget will help you save a little from each paycheck to help you reach your target amount by your due date. To create a Goal Envelope, click on 'Add/Edit' while on the Envelope's tab (https://goodbudget.com/envelope/edit). Then, tap on '+Add' under the 'More Envelopes' bar, and be sure to use the 'Annual' drop-down menu to select 'Goal' instead. Next, add your due date and save your changes when you're done. I hope this helps!