diff --git a/packages/loot-core/src/server/budget/goaltemplates.ts b/packages/loot-core/src/server/budget/goaltemplates.ts
index fef46900f785e0e0149bdc4be647967c8a7b2760..e6d900a12995f49c00c0cb2d008c161830807b40 100644
--- a/packages/loot-core/src/server/budget/goaltemplates.ts
+++ b/packages/loot-core/src/server/budget/goaltemplates.ts
@@ -90,13 +90,14 @@ async function processTemplate(month, force) {
   // so the remainders don't get skiped
   if (remainder_found) lowestPriority = remainder_priority;
 
+  let sheetName = monthUtils.sheetForMonth(month);
+  let available_start = await getSheetValue(sheetName, `to-budget`);
   for (let priority = 0; priority <= lowestPriority; priority++) {
     // setup scaling for remainder
     let remainder_scale = 1;
     if (priority === lowestPriority) {
-      let sheetName = monthUtils.sheetForMonth(month);
-      let budgetAvailable = await getSheetValue(sheetName, `to-budget`);
-      remainder_scale = Math.round(budgetAvailable / remainder_weight_total);
+      let available_now = await getSheetValue(sheetName, `to-budget`);
+      remainder_scale = Math.round(available_now / remainder_weight_total);
     }
 
     for (let c = 0; c < categories.length; c++) {
@@ -150,6 +151,7 @@ async function processTemplate(month, force) {
                 month,
                 priority,
                 remainder_scale,
+                available_start,
                 force,
               );
             if (to_budget != null) {
@@ -252,6 +254,7 @@ async function applyCategoryTemplate(
   month,
   priority,
   remainder_scale,
+  available_start,
   force,
 ) {
   let current_month = `${month}-01`;
@@ -493,6 +496,8 @@ async function applyCategoryTemplate(
         let monthlyIncome = 0;
         if (template.category.toLowerCase() === 'all income') {
           monthlyIncome = await getSheetValue(sheetName, `total-income`);
+        } else if (template.category.toLowerCase() === 'available funds') {
+          monthlyIncome = available_start;
         } else {
           let income_category = (await db.getCategories()).find(
             c =>
diff --git a/upcoming-release-notes/1254.md b/upcoming-release-notes/1254.md
new file mode 100644
index 0000000000000000000000000000000000000000..084e6827e5ccd313b3faccd70fe7725fdb135ee4
--- /dev/null
+++ b/upcoming-release-notes/1254.md
@@ -0,0 +1,6 @@
+---
+category: Enhancements
+authors: [youngcw]
+---
+
+Goals: Add 'available funds' option to the percentage goal