Home

TL;DR

Home is the one screen you can check every morning. It reads the month at a glance: what you have left to spend, what is safe to spend today, what needs attention, where your money sits across envelopes, and the last few transactions. Planning and assigning money happen on the Envelopes tab, not here.

Where to find it: Home tab

The month you are looking at

At the top sits the month bar, the same one the Envelopes tab uses. Tap the month name to pick another month, or use the arrows on either end to step one month at a time. Home follows its own month, so browsing a past month here does not change the month on the Envelopes tab.

When you are looking at a month that is not the current one, the bar tints and tells you how far you are from today, for example "2 months behind". Almost everything on the page describes the month you have open. The one exception is the scheduled-approval row under Attention, which describes today.

Left to spend, and how it is made

The first card is the verdict for the month.

The big number is "LEFT TO SPEND". When you have spent past what you allocated, it flips to "OVER BY" and the number is exact, down to the cent. Next to the label you will see how much month is left: "13 days left in October", "Last day", "Month ended" once the month is behind you, or a plain day count like "31 days" when you are looking ahead at a month that has not started. Tap anywhere on the card to open every spending transaction for that month.

Under the number, the card shows the three movements that make it up, one line each:

Line	What it is
"from {previous month}"	What was left in your envelopes from the month before. A minus sign means you started this month behind, not that something went wrong.
"budgeted for {month}"	What you put into envelopes this month.
"spent so far"	What has gone out this month. On a month that is over, the line reads "spent in {month}" instead of "so far".

Left to spend is what came from last month, plus what you budgeted this month, minus what you spent. The three numbers are exact and never rounded, so they always add up to the amount above them. Tap any line to open the matching list: the envelopes with leftover money, this month's assignments, or this month's spending.

If the number looks larger than you expect and you have reset a budget recently, the card says so: "Includes this month's reset adjustment". Tap that line for the full explanation.

Daily spend

The second card is about today, and the days around it.

The headline is "Safe to spend {amount}/day": what is left of the month, divided by the days left in it. If you spend that much a day, the month ends at zero.

Below it, the last seven elapsed days of the month sit as bars against a dashed line at that amount. Each bar is one day's spending, and the day numbers underneath tell you which days you are looking at. Today's bar is drawn hollow because the day is not over yet, and it turns red the moment today goes past the line.

• A bar above the dashed line means that day spent more than the safe daily amount.
• Hold a bar and a small bubble names the date, what you spent that day, the safe line, and how far over you went.
• Tap a bar to open that day's transactions, so you can see exactly what made the day what it was.

The little "?" at the end of the card's heading opens the same explanation you are reading here, in a sentence or two.

The card hides itself when it has nothing to say: while the month is loading, on the month's last day, when no money is left to spread, or before the first day has elapsed.

Attention: what is worth a look

"Attention ({count})" collects the month's signals in one ranked list:

• "{month} planning is open · Start early" appears in the last stretch of the month. It sits first, and tapping it opens the Envelopes tab on that month so you can plan ahead.
• "Envelopes over budget" and "Underfunded envelopes", each with the total at stake. Over budget means spent past the allocation. Underfunded means allocated plus scheduled does not yet cover the envelope's targets.
• "{name} almost at its limit": an envelope that is close to its allocation early in the month. Tap it to open the envelope.
• "Needs Approval" counts scheduled transactions set to wait for your confirmation. It describes today, not the month you are looking at. Tap it to open just those schedules, with the same actions as the Scheduled tab.
• Credit card clues with a date to watch, and scheduled transactions that need funding, each opening the list behind the alert.

The planning row leads while it applies. Below it, the list holds the rows you can act on rather than the ones you can only watch, like "You have {amount} remaining to assign" or a scheduled bill waiting for approval. A money row can appear in more than one place, so treat the list as a set of errands, not a sum.

When the month is clean, the card says so plainly: "{clean} of {active} on pace", counting the envelopes that are running fine against the ones this month is actually tracking.

Attention comes before the Envelopes card because it names what to do, and the Envelopes card only describes where the money sits.

Two things keep the list honest. Budget Health's own settings in More, then Budget Health, decide which alerts are on, how many days ahead the funding check looks, and whether a reminder warns you before a scheduled transaction posts. And nothing here forecasts a spending trend: rows appear because money is already spent, already assigned, or already scheduled this month, which is why an envelope can read "Underfunded" when a bill is still to come. Targets count by your week start (Monday or Sunday, from your preferences).

Envelopes: where the month's money sits

The next card, "Envelopes", is a preview of the month in rows: the envelopes you gave the most to, each with a bar you can compare against the others. Every bar shares one scale, so a longer bar really does mean more money.

The filled part of a bar is what you have spent inside that envelope. When an envelope goes past its allocation, the overshoot spills into the shaded lane at the end of its bar instead of stretching the scale, so one runaway envelope never makes the rest look tiny. Each row ends with a plain statement:

• "Paid" means nothing is left to spend there.
• "{amount} left" means there is still money in the envelope.
• "{amount} over" means it went past its allocation.

Tap a row to open that envelope. When more envelopes exist than the card shows, the last row says how many are hidden, and both that row and "See all {count}" at the top open the Envelopes tab, which lists everything.

If nothing is allocated this month, the card stays hidden.

Recent: the month's last few days

"Recent" shows the newest transactions in the month, grouped under day headings that name the date and the day's distance from today ("Oct 24 · Yesterday", "Oct 18 · 1 week ago"). The card holds five rows at most, so a busy week does not turn Home into a ledger. When a day has more rows than fit, the card says how many are hidden and opens that day's full list. Tap a row to open the transaction, and "View all" opens the Transactions tab.

Suggestions and banners

A few banners appear only when they apply:

• "Explore features" during your first week, with a short tour of what the app can do.
• "Continue your tutorials" when you have tours left to finish.
• Suggestions like "Turn notifications into transactions" or "Review suggestions" when Smart Capture has something for you.
• "Reset adjustment" after you use "Reset budgets this month" from Preferences, explaining why the month's totals moved.

"Explore features" and "Continue your tutorials" sit right under the "Left to spend" card, at the top of the page, because they are the two banners that ask you to go somewhere. The Smart Capture suggestions follow them, still above Daily spend, since they carry a decision that is waiting. "Reset adjustment" closes the page, under Recent.

Getting around Home

• Every section heading, "Attention" included, collapses when you tap it, and the collapse is remembered while you stay on the screen. A collapsed section shows only its heading; its cards and rows disappear until you tap it again.
• Tapping the Home tab again scrolls back to the top.

Summary

What you see	What it means
Left to spend	What remains this month, with the three movements that make it up. Tap for this month's spending.
Explore features, Continue your tutorials	The first-week tour invite and the tours you have left, directly under Left to spend.
Daily spend	Safe per day, and the last seven elapsed days against that line. Hold a bar to explain it, tap to open the day.
Attention (n)	The signals worth a look, ranked. The planning row leads near month end. "Needs Approval" describes today, not the viewed month, and opens the schedules waiting for your confirmation. Collapses when you want it out of the way.
Envelopes	The month's biggest envelopes on one shared scale, each with how much is left or over.
Recent	The newest five transactions, by day, with a way into the full day list.
Suggestions and banners	Smart Capture nudges above Daily spend, plus the tour, tutorial, and reset notices.

Sample use cases

• A quiet Monday check. Open Home. "Left to spend" tells you where the month stands, Daily spend tells you what today can cost, and Attention names anything that needs a decision.
• A rough weekend. Daily spend's bars run red for Saturday and Sunday. Hold each one to see what it cost, then tap the worst day to open its transactions.
• A bill you forgot. "Underfunded envelopes" shows up in Attention with the total missing. Open the envelope from the row, fill the gap, and the row clears on its next refresh.
• Paying yourself forward. You are browsing last month out of curiosity. The month bar says "1 month behind", every card describes that month, and today's spending is untouched.