Money reallocation
Your budget is a living plan, not a contract. Reallocate money moves money from one category to another, so you can cover overspending or shift funds when your priorities change, without touching your accounts.
Why reallocation matters
Unexpected expenses happen. If groceries go over budget while entertainment still has money left, moving the difference keeps your budget balanced. Reallocating helps you:
- Avoid debt: cover a shortfall with money you already have instead of reaching for a credit card.
- Stay realistic: your budget reflects what actually happened, not what you hoped would happen.
- Spend mindfully: deciding where the money comes from makes every trade-off visible.
How to reallocate money
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On the Budget tab, tap the category that needs money (or the one you want to take money from).
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Tap the Reallocate money button (the transfer icon) at the top of the sheet.
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Set the two categories under Selected categories:
- From: where the money comes from.
- To: where it goes. If you started from an overspent category, it's already filled in, with the amount it's short.
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Enter or adjust the amount. Under each category you see "New balance will be …" so you know where both end up.
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Confirm.
You can also start a reallocation from the Add button on the bottom bar.
Not sure where to take the money from? Tap the lightbulb button next to From, Smart suggestions. The app first checks money that's ready to allocate. If that isn't enough, it suggests the category with the most money available, taking into account its allocation, carryover, upcoming payments and targets.
Turn on Quick reallocate money in More › Settings › Budget Behavior to open Reallocate money straight away whenever you tap an overspent category.
Confirm your budget is healthy
After reallocating, look at the Budget health check on the Budget tab. When nothing is overspent it reads "There is no overspending". The Overspent categories screen (the arrow on the overspending line) lists anything still below zero.
Why it's worth doing straight away
- It stops overspending from snowballing: a gap you ignore this week becomes a bigger one next week.
- It keeps your numbers honest: every available amount you see is money you really have.
- It keeps you engaged: small, regular adjustments teach you more about your spending than a big clean-up at the end of the month.
Reallocations show up in your transaction list (you can hide them with Show money reallocations in the transaction filters) and in the Allocation history.