Plan
The Plan tab provides way to do envelope budgeting. Here, you can assign income to categories (called envelopes) and track actual spending to what you planned.
Ready to Assign
This prominently displayed number shows unbudgeted income, that is, money you have received but not yet allocated to any category. The goal is to make this number zero each month.
Category groups
These are collapsible sections that organize categories. Examples: Fixed Expenses, Variable Expenses, Savings Goals. Each group row shows totals for Assigned, Activity, and Available across its categories.
Rename and Delete are header actions: click a row to select it, then use the buttons in the header.
- Add group: Click + Add in the header.
- Select: Click a group row to highlight it.
- Rename: With the group selected, click the pencil button. Edit the name in place; Enter saves, Escape cancels.
- Collapse/expand: Click the arrow on the group row to toggle visibility of its categories.
- Delete: With the group selected, click the trash button. A banner says how many categories will be removed; click Delete to confirm or Cancel to dismiss.
Categories (envelopes)
Each category represents a spending envelope.
| Column | Description |
|---|---|
| Category | Name of the envelope. |
| Assigned | Amount budgeted this month (editable). |
| Activity | Amount spent this month. Click to view matching records. |
| Available | Cumulative balance: prior months’ carry-forward + Assigned - Activity. Shown as a colored pill: green (positive), red (overspent), grey (zero). |
- Add category: Click + Add within a group.
- Rename: Select the category, then click the pencil button in the header. Edit the name in place; Enter saves.
- Delete: Select the category, then click the trash button in the header. Confirm via the banner.
Uncategorized Records
When records exist without a budget category, an Uncategorized Records row appears at the top of the plan.
| Column | Description |
|---|---|
| Assigned | Always “-”. You cannot assign money to uncategorized spending. |
| Activity | This month’s uncategorized flow. Click it to view those records. |
| Available | Cumulative balance, like any category. A positive balance carries forward. When you overspend, the value is red and negative. It resets at month-end and folds into Ready to Assign. |
This row is a hint to categorize records: as you assign records to categories, the values in this row move to zero.
Move Money
You can click a category’s Available pill to open the Move Money popup. Enter an amount and select a target category. The budgeted amounts for both categories are adjusted so Available balances shift accordingly.
Month navigation
Use the left/right arrows or month/year picker to navigate between months. Each month has independent assigned amounts.
Responsive layout
On narrow screens (under 600px), the Plan switches from a columnar table layout to a card-based layout with each category shown as a stacked card.
Overspending
When a category’s Available goes negative (red pill), you’ve overspent that envelope. Move money from another category or add more to Assigned.
Funds by Currency and Other Holdings
When your budget holds money in more than one currency, a Funds by Currency card appears above the categories. You budget in your main currency, but foreign money is worth more or less in your main currency as exchange rates move. Money you have already assigned can become worth less than you planned. The card shows that exposure so you can react before you overspend.
For example, say your main currency is the US dollar. You hold savings of 1,000 EUR, worth 1,090 USD today, and you assign all 1,090 USD to categories. The euro then falls, and the 1,000 EUR is worth 1,050 USD. About 40 USD you assigned is no longer there, so the budget is over-assigned, even though you neither earned nor spent anything.
Each row shows the amount held, its cost basis in your main currency, its market value, and the gain or loss from rate movement. The Show in toggle switches the rows between your main currency and the amount actually held.
When a currency has no exchange rate, its value cannot be computed and a warning appears below the rows. Resolve it with Fetch prices in the toolbar, or Add price to type today’s rate yourself. Both save a P directive to prices.journal. See Multi-Currency for how prices work.
A separate Other Holdings card lists securities such as stocks or crypto that sit in a budget account. These are not currency and do not affect currency planning. To keep them off this card, move those records to a Tracking account.