Only money you're actually willing to spend this month — Protected Savings is tracked separately and never counted here

Used as the starting point for this month's spending pace and day-count calculations — handy if your financial month doesn't start on the 1st (e.g. payday).

Log day-to-day expenses or extra income — both count toward your Current Balance.

Fixed Expenses are recurring monthly costs and reduce your Current Balance. Protected Savings is money you don't want to touch — it's tracked separately and never reduces your Starting Cash. Both carry over every month until you change them.

Business Fund, Emergency Fund, Next Year's Rent, Travel Fund — money you've set aside on purpose. Not included in Starting Cash unless you move some out below.

Budget percentages are calculated against your Starting Cash. Enter either a percentage OR a cost when creating a category — the other is worked out for you.

This month at a glance, plus your lifetime spending history