Bills first. Then choices.

The saved example has five thousand available dollars and thirty two hundred entered bills. Bars share nine hundredths of a pixel per dollar. Their difference is eighteen hundred dollars remaining in this local scenario. Bill coverage caps at one hundred percent. These are user assumptions, not linked account balances, verified obligations, a purchase endorsement or professional financial advice. If available money is hypothetically reduced to two thousand while entered bills stay at thirty two hundred, the remainder becomes negative twelve hundred dollars. The bars still share nine hundredths of a pixel per dollar. Coverage is two thousand divided by thirty two hundred, or sixty two point five percent, displayed as sixty three percent. That rounded label does not change the negative remainder. The tool does not pay bills or evaluate a persons full financial circumstances. With the saved eighteen hundred dollars left after bills, an entered seventy thousand dollar goal has a sixty eight thousand two hundred dollar gap. Bars share six thousandths of a pixel per dollar, contrasting goal and available remainder. If the remainder is negative, it contributes zero toward the goal gap. Inputs below zero are clamped for arithmetic while raw field strings can remain in local storage. Reset stores defaults again; export carries assumptions rather than funding a goal.