AI Money Coach: Sorted

Sorted 1.2.7 reworks the budgeting model around one idea: you allocate, what's left is free to spend. New budgeting model - Free to Spend = income minus your budgets. You set a budget per category (needs, wants, savings); what's left is free to spend. - Every dollar has a job. Setup blocks until income = sum(budgets) + free to spend. You must allocate every dollar. - Detected bills are suggestions, not subtractions. Plaid-detected recurring expenses surface as "track as a category? cut to save?" The full amount pre-fills for rent, mortgage, child support, alimony, loan payments. Reducing a hard commitment warns "you'll be short" but doesn't lock. - Goals and wants are both allocations. "Savings" is a category you allocate, same as needs and wants. No separate goals subtraction. - No rollover. Unspent free-to-spend resets to zero at month end. Today screen: 3 numbers 1. How much can I spend today? (daily safe-to-spend, hero) 2. How much can I spend the rest of this week? (weekly remaining, context) 3. How much do I have for the month? (monthly pool, small context line) - Carry subtitle explains why daily > pace ("+$X carry from prior days" / "-$X carry (overspent)"). - Suggested pace is a small guidance label, not a dollar figure. Plan screen - "How this number is calculated" now shows "Income - Allocations = Free to Spend" (allocations include tracked rent/child support). - Breakdown sheet math is now consistent with the card. Setup flow: allocation-first 1. Income 2. Detected expenses (track as category?) 3. Allocate (Free to Spend updates in real time) 4. Every dollar has a job (blocks until balanced) 5. Confirm Other - Coach affordability checks against allocations. - Last sync timestamp populated on connections (fixes manual-only "Sync pending forever"). - Partial sync. Chart renders with a warning when some connections are behind. - Month-to-date spend is current-month scoped (cross-month weeks stay honest). Bug fixes - NaN in "Spent this month" — sanitized non-finite transaction amounts. - Legacy users — allocations populated from budget table so spendableMonthly = income - sum(budgets) (not the old fixed-driven fallback). - Card vs sheet math — both now show income - allocations. - Redundant display — removed the inline "Free to Spend this month / Spent this month / Left this month" block from the Plan card.