How the calculations work

These guides explain why the budget shows the amounts it does. Start here when you want to trace a calculation; the everyday guides are enough for routine use.

Follow a small funding example

Funding calculations follows available cash into two dated needs, with a day-by-day table and the rounding rule behind daily allocations.

Follow a card purchase

Credit card accounting separates the account balance, envelope balance, debt, and cash reserved for payment. Worked examples show why paying the card does not count as spending from an envelope a second time.

Understand the forecast's boundaries

Projection rules and edge cases explains date handling, successive targets, paused funding, and what happens when cash runs short.

Throughout these pages, recorded means activity already saved in the app. Projected means the result of applying the current plan to those records. A forecast can help you make a decision without being a record of something that has already happened.