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FEATURES & TOOLS

What is Smart Allocate?

Smart Allocate auto-distributes your remaining income across priorities using a waterfall — emergency fund → debt → investments → lifestyle.

3 min read

When you reach the Finish Line step with money still unassigned, Smart Allocate can distribute it for you based on a priority waterfall.

The waterfall

  1. Emergency fund — until you hit your target (either $1,000 starter or 3-6 months of expenses).
  2. High-interest debt — any extra beyond minimums, using your chosen strategy.
  3. Tax-advantaged investments — retirement accounts like 401(k), RRSP, ISA.
  4. Taxable investments — brokerage, additional savings.
  5. Lifestyle / guilt-free spending — whatever is left.

Smart Allocate is a one-click option, not a rule. You can always edit the amounts after it runs.

Tip

Smart Allocate respects your existing allocations. It only spreads the remaining unassigned cash — it won't rearrange what you've already set.

More in Features & tools

Quick Mode vs. Wizard Mode

Wizard Mode walks you through every step. Quick Mode shows every section on one page — faster for returning users.

Rolling over a previous budget

Start your next income deposit from the shape of your last one. "Start from last" copies all your recurring numbers so you only update what changed.

Tracking financial goals

The /goals page is a standalone tracker for saving goals, debt payoff targets, and investment milestones. Goals surface as pills in the Finish Line step.