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Envelope budgeting
Assign money you already have. Spend from Available. Move money when plans change.
Read the narration
- Your pay lands in checking. One pile of money, no direction on it yet.
- So you chart the month. Assign your money to what it has to cover. Nothing leaves your account — you're deciding where it's headed.
- Then life happens. As you spend, Available goes down, so you always know what's still yours to spend.
- Plans change. If one category runs short, move money from one with room to spare. Nothing extra is spent.
- Or borrow from an obligation. Pay less on the card now, and Polaris shows what that costs later.
- Some bills come once a year. Set a target, and Polaris spreads it out, so December is a payment, not a shock.
- Polaris keeps looking for slack, and points it at the goal you actually care about.
- Every financial goal starts with a budget. Polaris Budget keeps you on course.
Assign
Pay hits checking. You assign it to categories. Money never leaves the bank. You’re only deciding where it goes.
Spend
Available falls as charges arrive, pending ones included. A deposit joins Ready to Assign once it posts.
Move
Short in one category? Cover it from another, or see what carrying a card would cost in interest.
Aim
Annual bills get targets, so a yearly bill becomes a monthly amount.
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