zero-based-budgeting

Zero-based budgeting assigns every dollar to a category, leaving no unallocated funds. It calculates Ready to Assign by subtracting total allocations from total balances, ensuring complete control over personal cash flow.

Calculate Ready to Assign by subtracting total category allocations from total account balances. This yields the exact amount of unassigned funds available for new budget allocations.

Yes, zero-based budgeting tracks credit card debt, payments, and category allocations. It moves allocated funds from spending categories to a credit card payment category to reconcile debt accurately.

Unspent funds roll over automatically to the next period across months. This mechanism increases the available allocation for the same category in the subsequent budget cycle.

Define your accounts with current balances and create expense categories. Enter allocations for each category to calculate Ready to Assign and observe automatic rollover behavior across periods.