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.

• Splits, not transactions, are the unit of spend
• Transfers excluded so payouts aren't counted as spending
• Pending charges carry their category to the posted version
• Only spendable accounts count toward cash on hand
• Stale balances are labeled, not hidden

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.