Income Shortfall While Showing Savings

Why would a plan show a shortfall and savings in the same year?

The reason is that the shortfall comes from a comparison of the planned income with the plan's expenses. If you are not doing a "How can I spend $X?" plan, these don't have to be the same. The savings come from either (a) savings items in the inputs ("planned savings") or (b) extra income that isn't being spent that year (and so gets put (back) into the portfolio). If you ever want to create a plan that hits the desired income exactly in Life Hub, you can always use the "How can I spend $X?" setting.

Example

Total income in year X from all sources: $100,000
Total planned income/spending capacity: $80,000
Surplus saved back to portfolio: $20,000
Total Expenses as entered by the user + taxes: $90,000
Shortfall: $10,000

Solution

Lower itemized expenses or use "How can I spend $X?"