The Spending Plan is five explicit sections, not one rolled-up budget: Income, Bills (debt minimums included), Planned Spend, Other Spend, and Savings Goals. Each states its own planned total and its tracked actual — no section is computed from another.
The screen leads with one headline, Free to spend, painted over an allocation bar with a waterline — the line where committed money ends and free money begins. It is an intent figure: your income minus everything the plan has already spoken for.
It subtracts each cap's limit, not what you've spent in that cap — so it reflects what you plannedto commit, and it can go negative if your commitments outrun this month's income.
That budgeted figure is also your master cap. As the month's discretionary spending lands — your Other Spend, plus anything you spend over a cap's limit — the hero shows a spent-of-budgeted bar beneath it: how much of your free money you've used, and what's left. Spend past the budget and it turns red — "$X over your free budget." Your commitments (bills, cap limits, goals) stay reserved; only real discretionary spend draws it down.
| Section | Planned total | Tracked actual |
|---|---|---|
| Income | Each pay occurrence this month | Deposits matched |
| Bills | Recurring bills + debt minimums | Bills paid |
| Planned Spend | Sum of your cap limits | Spent against each cap |
| Other Spend | Draws from Free | Everything uncapped & unplanned |
| Savings Goals | Monthly contributions | Contributed |
Income and Bills read this month's actual occurrences, not a smoothed monthly average. A month with three paydays reads higher than a two-payday month — the plan shows the cash that actually lands in the calendar you're looking at, not an evened-out figure.