Green = fits your budget, go ahead. Amber = slightly over, consider waiting. Red = over budget — the tool shows what putting that money toward debt would save in interest instead. It's a pause, not a hard block.
Reconcile monthly: when your statement closes, update balances here and click "Mark reconciled." Takes 2 minutes.
If this card has a promotional rate ending soon, set the promo end date and a deadline badge will appear automatically.
Lower any amount to see how much extra could go toward debt. Doesn't change your saved budgets.
Edit amounts directly. These show as locked bars on the Budget tab.
Export saves everything to a .json file. Import it on any device/browser to restore. Save exports to Google Drive or iCloud so you always have a backup. To sync between phone and desktop: export on one device, import on the other.