How do moving money and rollovers work?
Moving money changes this month's assignments, while available balances carry forward from month to month.
Assigned and available answer different questions
- Assigned is how much you added to or removed from the category in the month you are viewing.
- Activity is the net effect of categorized transactions in that month.
- Available is what the category has left after prior rollover, this month's assignments, and this month's activity.
What happens when you move money
Moving $100 from Travel to Groceries lowers Travel's assignment by $100 and raises Groceries' assignment by $100 for the month. Your total budget and Ready to assign do not change because the same dollars are still assigned, just to a different purpose.
An assignment can be negative. If Travel had $400 rolled over and nothing assigned this month, moving out $100 leaves $300 available and shows -$100 assigned for this month. That does not mean Travel is overspent; it records the choice to pull money out of the category.
What rolls over
A positive Available balance carries into the next month. A negative Available balance carries forward too, so future assignments first cover that shortage. The monthly Assigned column starts fresh because it records only changes made in that month.
How targets react
Target behavior depends on the goal. Top up and Reach and hold use the available balance, so a move only creates a request when it leaves the category below the goal. A weekly or monthly Add target measures fresh assignment, so moving money out increases the amount needed to complete that period's planned contribution.
See Budget targets for examples and help choosing the right goal.
Last updated August 4, 2026