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15 yr-old miata 14 yr-old H1 11 yr old Ford Explorer 8 yr old Audi A6 24 yr old mazda rx7 (quantity=2) racecars oil change day/week is a pain

Income Tax comes out of the "leftover" in my "transaction" account. Property Tax is kept out of the "transaction" account; it is set aside before I calculate the monthly amount.

I do something similar: calculate the amount for the year, divide by 12, and move that much cash monthly into our "transaction" account. Then you can easily "track" against your monthly budgeted expense.