How credit cards work in zero-based

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Cards you include in your budget get their own Credit cards section. Assigned is extra money you have put toward the card from Available to assign.

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1. A quick summary

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Include the credit card in the accounts that feed this budget. Ready to pay is leftover plus assigned plus funded card spend, minus payments after the card was added.

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Payments before that are ignored. The balance when you add the card is the starting debt.

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2. Include the card

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In Budget settings, include the credit card in the accounts that feed this budget. Cards you include get their own Credit cards section.

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3. Ready to pay and underfunded

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• Assigned - extra money you have put toward the card from Available to assign
• Ready to pay - leftover plus assigned plus funded card spend, minus payments after the card was added
• Underfunded - the amount still needed, shown in red. Cover it from Available to assign. That underfunded line disappears once the card is funded

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Credit cards are not included in leftover from last period or Available to spend on the breakdown.

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4. See the card details

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Tap a card name to see the breakdown and its latest transactions. From there you can assign more, or Cover an underfunded amount. For the wider picture, read Zero-based budgeting overview.

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You're all ready to go

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You now know how credit cards work in zero-based. If you run into any issues, feel free to get in touch with us at hello@budgetbuddie.co.nz