Funding Suggestions

Understand how InfinitelyZero recommends funding priorities and how projected paycheck coverage affects those recommendations.

What Funding Suggestions do

Funding Suggestions identify categories that may need attention and organize them into practical priorities. They help you decide where available Ready to Budget money could go; they do not make that decision for you.

Note: Suggestions never automatically assign money, move money, or create transactions. Your budget changes only after you explicitly choose a funding or money-move action.

How priorities are evaluated

Suggestions use category plans, bill due dates and remaining amounts, category Available, and unassigned money. Upcoming income can also affect how an item is presented.

Needs funding now

An urgent item remains in this group when its current funding is short and the forecast does not show qualifying upcoming income covering it before it is due.

Covered by an upcoming paycheck

A currently underfunded bill may be shown separately when projected paycheck coverage is expected before its due date. This is a forecast, not proof that money has arrived or been assigned.

Planned funding

Categories with contribution plans, spending allowances, savings goals, minimum payments, or other planning details can appear as planned priorities even when they are not urgent.

Taking action

Choose Fund to open Assign money for an individual category. On desktop IZ Assist, the review stays inline. Dashboard entry points use the right-column action card or a side sheet on a narrower screen. Check the source and account backing, review any required real-transfer acknowledgement, and confirm.

Reminders and paid bills

Remind me later

A reminder changes when a suggestion is visible. It does not change the bill, plan, funding need, Ready to Budget, or forecast calculation.

Marking a bill paid

Marking a bill paid tells planning surfaces that the selected cycle is settled. It is separate from funding: it does not assign money, move money, or create a payment transaction. Record the transaction when account balances and spending history should reflect the payment.

Review a funding plan

In IZ Assist’s Fund tab, select suggestions and choose Review Funding Plan. Selected rows become the review set; with none selected, the review includes all visible suggestions. Review the source, amounts, limits, and any warnings before Apply.

The review stays inside desktop IZ Assist. Back, Cancel, or the first Escape returns to the list with checks retained. If balances change, refresh the review rather than applying stale amounts.