Funding

Funding rules tell Tally Up which checking or savings accounts to draw from when covering expenses and tax liabilities in the forecast. Open the Funding tab inside the Budgets section to configure them.

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General Expenses

The General Expenses rule controls which accounts fund your regular spending and budgeted outgoings.

Automatic

The default. Tally Up picks the most appropriate checking or savings account for each expense automatically — it prefers an account owned by the person responsible for the expense, and falls back to a suitable shared account when no personal match exists.

Custom

Choose Custom to split funding across specific accounts by percentage. Enter a percentage for each eligible checking or savings account — the total must add up to 100%.

Note

Only checking and savings accounts appear in the custom allocation list. Investment and other account types are not eligible for expense funding.

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Tax

The Tax section lets you configure funding separately for each person’s estimated tax liability. This is useful when two people in a plan hold their tax reserves in different accounts.

Each adult in the plan gets their own Mode setting:

• Automatic — Tally Up uses that person’s usual accounts, preferring a checking or savings account they own, with a fallback to a suitable shared account.
• Custom — allocate that person’s tax payments across specific accounts by percentage, the same way as custom expense funding.

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How funding affects the forecast

During the long-range forecast, Tally Up aggregates each expense to an annual amount and then draws from your funding accounts accordingly. If a custom rule cannot fully cover an obligation — for example because allocations don’t sum to 100%, or a specified account has insufficient funds — the remainder falls back to automatic behaviour so the forecast continues rather than failing.

The Operational Cash report shows the month-by-month effect of your funding configuration on each account over the next 12 months.