Glossary

Use this page when a word in the app or a guide is unfamiliar.

Accounts and activity

Term	Meaning
Account	A record of money held or owed, with a balance calculated from its entries.
Asset account	A bank or cash account. The account-creation form calls this Bank account or cash.
Credit account	A credit-card account. A negative ledger balance means debt.
Starting balance	The balance at your chosen starting point, recorded as an account entry.
Entry / transaction	Recorded account activity, such as spending or income. A plan is not a transaction.
Ledger	The account's recorded entries or the envelope's recorded activity.
Payee	The person or business associated with a transaction.
Memo / note	Optional text that helps you recognize an entry or plan.
Split	The part of one transaction assigned to an envelope. All splits together must equal the account amount.
Unassigned entry	Account activity saved without envelope splits.
Record Income	A bank/cash account action that records a positive inflow without envelope splits.

See Record spending and income.

Planning

Term	Meaning
Envelope	A purpose for money, such as Groceries, independent of which account holds the cash.
Planned expense	A specific expected payment with an amount and due date, awaiting actual spending.
Target	A remaining spending allowance through a date. Successive targets are separate allowances.
Due day	The expected date of a planned expense.
Target date	The date by which the projection assumes the target allowance is spent.
Reduce next target	A one-time option on new spending that reduces targets due today or later and on or after the transaction date, carrying excess into later eligible targets.
Plan next	A way to create one more expense or target after an existing plan.
Category	A group of envelopes formed by a shared name prefix, such as Home in Home - Rent.
Hidden envelope	An envelope in the Hidden category at the bottom of the timeline. Hiding does not pause funding or delete its records.
Minimum spend / spending floor	An optional target setting that models purchases in fixed amounts, when minimum spending floors are enabled. It does not create transactions.

See Plan expenses and targets.

Funding and projections

Term	Meaning
Funded / In envelope	The envelope's current recorded balance. A negative balance indicates a deficit.
Available funds	Funds not already assigned to positive envelope balances or card-payment reserves, with a minimum of zero. The browser starts from bank/cash balances; nightly funding also includes positive card credit as prepaid value.
Left to plan	Cash remaining after the funding projection considers the active plans; also shown as zero when funding runs short.
Funding nightly	The envelope is enabled to receive automatic funding as the nightly process runs.
Paused funding	The envelope retains its records but is excluded from new automatic and projected funding.
Projection	A forecast using recorded balances and remaining plans, without assuming unrecorded future income.
Daily allocation	Money projected into an envelope on a future day.
Projected balance	The forecast envelope balance after that day's allocation and assumed spending.
Covered	No additional funding is required that day for the envelope's next planned date.
Shortfall / funding limit	A funding step cannot be completed with the remaining available cash.
Move Funds	A budget transfer between envelopes or available funds; it does not move cash between bank accounts.
Transfer	Records money moved between two bank or cash accounts, keeping envelope balances unchanged. Use Pay Card for a credit-card payment.
Available funds forecast	Charts of funds available to assign over time and daily funding demand.
Daily funding pressure	Funding the current plans would need each day if sufficient funds were available, including beyond a shortfall.

See Read the timeline and Understand Left to plan.

Credit-card payments

Term	Meaning
Owed	The positive amount of recorded card debt.
Payment reserve / Ready to pay	Cash assigned to paying a card, including funded purchases and direct amounts set aside.
Still to cover	Owed minus Ready to pay.
Cash-backed charge	A card purchase with cash reserved to pay some or all of its outstanding amount.
Set aside money	Assign available or envelope cash directly to a card-payment reserve.
Pay Card	Record both sides of an actual bank-to-card payment.
Linked refund	A card refund associated with an original purchase, recorded using Refund on that purchase's ledger row.
Credit balance	A positive card ledger balance that can be used for later purchases on that card. It is not bank cash.
Undo payment	Correct a recorded card payment with linked reversal entries and restored reserves as needed. It does not cancel a payment with the bank.

See Use credit cards.

Reviewing your records

Check balances means compare the app's account records with your bank or card provider using the same cutoff.

Reconcile a planned expense means record the actual spending and resolve its plan together. It creates a transaction.

Needs reconciliation means a planned expense is due today or overdue and still unresolved. It does not confirm that payment occurred.

See Your regular review.