The monthly budget

The three columns

Every category row shows three numbers, once per visible month:

• Assigned — the dollars you committed to the category that month. Editable; press Enter or click away to save. The grid is fully keyboard-driven: Tab reaches it once, arrows move between categories and month columns, Enter or a digit starts the edit, Escape cancels.
• Outflow — the sum of transactions in this category that month. Outflows are negative; inflows show as positive.
• Available — carry-in + assigned + activity. Green when funded, gray at zero, red when overspent. Click any category name or Available pill to open the inspector, where the carry-in breakdown, notes, goal, planned cut, and recent activity live.

Multiple months at once

The 1 / 2 / 3 picker in the toolbar shows up to three month columns side by side (on wide screens; phones stay single-month). The leftmost column is the anchor month; the extra columns run forward so you can budget ahead. Editing a cell writes to its own column's month.

Ready to Work

The stat at the top of Budget shows the dollars that have entered an on-budget account but haven't been given a job yet. Click it: the month overview breaks the number down — inflow, everything assigned so far, and overspending lost (overspending in a prior month doesn't follow the category; it comes out of Ready to Work the next month). Every overspent category is listed there with a one-click cover from the category holding the most available.

Quick budget

Select a category and the inspector offers one-click fills, each showing its amount before you press it:

• Underfunded (goal) — add exactly what the goal still needs this month.
• Last month's assigned — copy last month's plan.
• Last month's spending — assign whatever you actually spent here last month.
• Average of last 3 months — smooth out one-off swings.

Each fill is a single undo step.

Planned cuts

Mark any category with a reduction target — a dollar amount per month, or a percent of its baseline (the average of the three months before you planned the cut; the baseline stays frozen, so succeeding doesn't move the goalposts). Optionally name the goal the savings are for. The row wears a -$X/mo badge, and the month overview totals the portfolio: planned and realized savings, the annualized figure, the share of your income, and your age of money — how old the dollars you spend are — today and where the cuts would push it.