Available balance

Your available balance is the part of this month’s expected income that has not been assigned to a budget yet.

When the balance is positive

You still have money to plan. Transfer the available amount into the categories or funds where you expect to use it. When every dollar has a job, the available balance reaches zero.

When the balance is negative

You have planned more than this month’s expected income. Reduce one or more category budgets, or adjust the income you expect for the month, until the balance returns to zero.

Your available balance is a planning number. It is separate from the current balance reported by your bank.