What happens to money above my stated income?

Your budget is based on your planned minimum monthly income. When you receive more money than this, e.g. from bonuses or overtime, this "extra" money will be added to your goals as follows:

  1. First we'll try to top up goals that are behind your target, to keep you on track.
  2. The remainder will be saved to your unexpected costs goal. You can then move this into other goals or withdraw as needed. 

We do this because it's best to withdraw money when you need it - rather than have it sitting there in your account burning a hole!

You can change the goal extra money goes into by clicking on the "add/edit income" link on the home page of the app.