Flow covers your everyday spending - groceries, coffee, lunch, transit. It's the bucket you'll interact with the most.

Instead of a fixed monthly limit you can burn through in the first week, Flow uses a time-proportional formula. Your available balance grows each day, based on how far you are into the period. Spend nothing on day 1 and your balance carries forward. By day 10 of a 30-day period, you've unlocked a third of your limit.

Overspend early and your balance goes negative. That's not a bug - it's the point. The number tells you exactly how far ahead of yourself you've gotten, and you can correct course before the period ends.

Fixed is for the expenses you know are coming. Rent, phone bill, streaming subscriptions, gym membership - the costs that show up every period at roughly the same amount.

Unlike Flow, Fixed doesn't grow day by day. You set a limit at the start of the period and log against it as the bills arrive. At any point you can see how much of your Fixed budget you've already used and how much is still untouched.

Keeping these separate from your daily spending matters. Without a dedicated bucket, a rent payment and a coffee show up side by side in your history - and your daily balance looks catastrophically wrong every time a big bill lands. Fixed isolates those costs so Flow stays clean and readable.

Extra is for discretionary spending - things you want but don't strictly need. A new piece of clothing, a gadget, a weekend trip, a concert ticket. The kind of purchase you make when you feel like you can afford it.

What makes Extra special is the carryover. When you close a period, GoHoardly looks at your combined balance across Flow, Fixed, and Extra - how much you had in total versus how much you actually spent. That remainder gets carried into the next period's Extra. So if you lived within your means this period, you start the next one with a bigger playground.

Think of Extra as your financial slack. It's not savings - you're meant to spend it. But if you've been disciplined in previous periods, you'll have more room to treat yourself on something bigger without guilt. And if last period was expensive, the carryover will be smaller - a natural, automatic signal to take it easy.

There's no manual calculation needed. Close the period, and the number is already there waiting for you.

Savings is the fourth bucket, and it works differently from the other three. You don't spend from it during the period - it's money you're setting aside on purpose, every cycle.

When you set up your budget, you decide how much of your income goes into Savings each period. When you close a period, that amount is logged automatically. No manual entry, no forgetting. It's just done.

What you do with your savings is up to you. GoHoardly lets you create named goals - a vacation, an emergency fund, a new laptop - and allocate your savings balance toward them. Each goal tracks its own progress separately, so you always know how close you are to each one.

Savings never participates in the carryover calculation. Whatever you put aside stays put aside. It won't quietly disappear into next month's Extra if you had a rough period.