A budget that updates itself from your bank

Budget spend is measured at the split, not the transaction, so a charge covering two buckets moves both by the right amount instead of landing entirely in whichever one you picked first. Transactions marked as transfers — a Dueflow payout arriving in the bank, or a move between your own accounts — are excluded, which is what keeps money from being counted as spending on its way in.

Cash on hand only sums checking and savings. A credit card reports what you owe, so adding it would inflate the number by the size of the debt. And when a bank needs to be reconnected, Dueflow still shows the last known balance but says plainly that it's stale rather than presenting an old figure as current.

A budget moves from draft to active to closed, so planning next term doesn't disturb the one you're spending against, and last term stays readable instead of being overwritten. Every change to a budget — an allocation raised, a line removed — is recorded with who made it, which is the record an incoming treasurer or an advisor actually asks for.

Income buckets are planned income, not cash: their remaining figure is the shortfall you haven't collected yet. That distinction is why a budget in Dueflow tells you whether the plan is on track rather than only where the money went.

The bank connection is for reading balances and transactions. Dueflow cannot move money out of a linked account, and credentials stay with Plaid — Dueflow never sees or stores your online banking username and password.

Inside the chapter, seeing budget figures and editing them are separate permissions, so an officer can be given visibility without the ability to reallocate. The AI assistant is held to exactly the same permissions as the person asking.

The Finance workspace is enabled per organization while it rolls out. Get in contact if you'd like it switched on — and like everything else in Dueflow, it costs nothing.