Today’s pace

The idea

Planned set-asides stay reserved until they are spent or the remainder is released. Everyday money is what is left to spend safely. That pool is split across the days (or weeks) still in the budget. Everyday (or weekly) that number is recalculated based on what you've spent.

In plain language:

• Start with the planned total in your budget (this is either your regular income, or for a trip or event the money you set aside for that).
• Add unexpected money that was not pointed at a set-aside.
• Subtract planned set-asides that are still reserved or spent.
• Subtract everything already spent.
• Divide what remains by the days (or weeks) left, including today.

What moves the number

• An Everyday expense lowers leftover per day right away.
• Spending on a set-aside uses that envelope first. If you stay under, reserved leftover stays out of the daily pool until you release it.
• Going over a set-aside eats into Everyday money, so the daily number falls.
• Releasing an unused set-aside raises the daily number.
• Money in with no set-aside raises the daily number. Money in pointed at a set-aside tops that envelope up instead.

Logging extra money never rewrites the planned total. The budget total stays what you originally planned to spend; money in adds to Today's pace or the selected set-aside only.

Day vs week

When you create or edit a budget you can make the pace by day or by week. Home shows “left today” or “left this week.” The last day (or week) still counts as one, not zero. Weeks are calculated from Sunday to Saturday.

After the dates end

When today is past the end date, or someone closes the budget, leftover per day is zero. The screen then shows whether the budget finished under or over.