you can do it if it's a long-term expenses. Otherwise items roll over month to month. If you have an expense on the horizon, you can setup a budget to accrue monthly for that expense. For instance, you have car insurance due of $300 in six months. You set a budget for 6 months from now @ $300. Mint accrues $50/month. Then on the 6th month, you see the item in your September budget.
I use Mint for 100% of my bill/cash/credit card tracking (it's poor at tracking investments). I create a unique monthly budget the first weekend after the 1st of the month. I also review prior month's expenses. YNAB is fine. However, you have to pay for it. Mint is not perfect for budgeting concerns, but it's free.
