Transfers and shortfalls

Change what money is set aside for when plans change.

When one Expense needs more money, you can move money from another Expense through the app’s transfer flow.

This changes the purpose of money already in your budget. It does not move cash between banks.

Cover a shortfall

1. Review the Expense that needs attention.
2. Choose where the money should come from.
3. Check the amount and the remaining balances.
4. Confirm the transfer and review the result.

Use the app’s updated balances and Free-to-Spend after the transfer. A funding target alone does not cover a shortfall.

Release money

When you no longer need money set aside for an Expense, use the app’s transfer controls to release or reassign it.

Reducing an Expense’s target is a settings change. Review whether funded money should remain reserved or be transferred.

Fund Ahead reserves

In the Fund Ahead feature, reducing the number of payments preserves the Expense’s existing money. Use an explicit transfer to release it.

Read the Fund Ahead guide.