How to create savings categories?

Luvbudgies

I'm trying to use Wave for personal finance. I'm new to Wave.
I have my bank accounts, etc set up. I understand how to categorize transactions and how to record a transfers, say from my chq. to savings.
In my personal finances, I have about 15 categories that I save for for periodic & annual expenses (car insurance, vet bills, etc). I use a ledger book and balance the categories to the balance in the savings account where the money is held.
What I am trying to do is set up accounts in Wave for all of these savings categories to balance to my savings account.
I set the categories up as equity accounts. When I deposit to the savings, I record it as a transfer from chequing account.
What I cannot figure out how to do is then tell wave to distribute the deposit among various equity accounts that I have set up for my savings categories without it doubling the balance in my actual savings account. Can anybody advise?
Thank you!