> ## Documentation Index
> Fetch the complete documentation index at: https://help.finerd.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# Adjust your budget when plans change
> Resolve budget alerts in finerd, add a one-off amount, move budget between categories for one month, or change the plan from this month on.
When a month doesn't go to plan, you can adjust its budget in finerd without rewriting it: add a one-off amount for an unexpected expense, move budget from a category that has money left, or change the plan from this month on. In the current month, finerd also warns you when a category is over its plan or on track to go over, and offers these fixes.
Adjusting a budget is free and works on the web, Android and iOS, in any month that has a [budget](/budget/create-budget), from the current month on. The web calls the warnings **Conflicts**; Android and iOS call them **Budget alerts**.
Choose how to adjust
| What happened | What to do | What changes in the month | Later months |
| - | - | - | - |
| A one-time expense you didn't plan, such as a birthday present | [Add a one-off amount](#one-off) | The category's planned amount and the total grow by the amount | Keep the usual plan |
| One category needs more and another has money left | [Move budget between categories](#move) | One category gets more, the other gets less; the total stays the same | Keep the usual plan |
| Your spending has changed for good, such as a new rent | [Change the plan](#plan) | The category's planned amount | Carry over the new plan |
One-off amounts and moves are **events**. Each belongs to the month you add it to, so the next month starts with your usual plan again.
See where you're off plan
In the current month, finerd compares each planned category, and **Other**, with your transactions whenever a transaction or the budget changes. It warns you when:
* **Over budget**: you've already spent noticeably more than planned.
* **Projected to exceed**: from the 15th of the month, your pace points to going over by the end of the month. finerd takes into account how your spending is usually spread across a month, so a large payment that always comes early, such as rent, doesn't raise it on its own.
* **Projected shortfall**: you're on track to receive less income than planned.
Small differences don't raise an alert: the difference has to be more than 15% of the category's plan or 5% of the budget's total, whichever is less. In the example, **Shopping** has \$300 of a \$1,000 budget, so it gets an alert once it's more than \$45 over. A \$81.22 birthday present brought Shopping to \$400 in October, \$100 over the plan.
Alerts appear only in the current month. finerd doesn't send notifications about them: you see them when you open the budget.
A warning sign next to the category's name marks an alert: red when the category is already over the plan, orange when it's projected to go over. **Conflicts** under **Summary** lists every alert with its amount: how far the category is, or is projected to be, over the plan. Hover over the ⓘ next to an alert's name to see what it means.
A banner above the chart says **You have 1 budget alert**, or how many you have: red if a category is already over its plan, orange otherwise. A warning sign on the category's icon marks its row. Tap the banner to open **Budget alerts**, where each alert shows its amount, such as **\$100 over budget** or **Projected \$40 over**.
A banner above the chart says **You have 1 budget alert**, or how many you have: red if a category is already over its plan, orange otherwise. The category's row shows **Overspent** or **Projected over** under the amount (**Projected short** for income). Tap the banner to open **Budget alerts**, where each alert shows its amount, such as **\$100 over budget** or **Projected \$40 over**.
Resolve an alert
Open the alert and choose what to do with the difference. finerd offers only the options that fit the alert:
| Web | Android and iOS | What it does |
| - | - | - |
| **Log a one-off** | **Mark as one-time adjustment** | Adds a [one-off amount](#one-off) to the category for this month, filled in with the alert's amount. You can add a description. |
| **Move budget from another category** | **Move budget from another category** | [Moves budget](#move) from a category with money left, for this month. Not offered for **Other** or when no category has money left. |
| **Adjust the plan** | **Increase budget** | Opens **New planned amount** with a suggested amount and [changes the plan](#plan) from this month on. |
| **Ignore** | **Dismiss alert** | Closes the alert without changing the budget. There's no confirmation. |
When an event or a new plan covers the difference, the alert disappears. An ignored alert comes back if the category is still over the plan the next time a transaction or the budget changes it.
When you move budget from an alert, finerd can suggest where to take it from under **Suggested categories**; select or tap **Show all categories** to see the rest.
Select the warning sign in the category's row, or the alert under **Conflicts**, then choose an option. Under **Move budget from another category**, finerd can add a line suggesting which category to take the money from.
Tap the banner, then the alert. **Budget alert** lists the **Resolve options**; tap one, enter or check the amount and tap **Continue**. **Dismiss alert** works at once.
Tap the banner, then the alert. **Budget alert** lists the **Resolve options**; tap one, enter or check the amount and tap **Continue**. **Dismiss alert** works at once.
Add a one-off amount
Add a one-off amount for an expense you didn't plan, or a larger one than usual, without waiting for an alert. It raises the category's planned amount and the budget's total for that month only; **Other** keeps its amount. A one-off on **Other** raises **Other** and the total.
1. In the category's row, select **⋮**, then **Add event**. For **Other**, it's the only item in its menu.
2. Select **Log a one-off**. If no other category has money left, finerd skips this step.
3. Enter the amount, add a description if you like, and select **Continue**.
The row shows the new planned amount and a lightning icon.
1. Tap **⋮** at the top of the budget, then **Events**.
2. Tap **+**, then **One-off event**.
3. Under **Select category**, choose a planned category or **Other**.
4. Enter the amount under **One-off amount**, add a description if you like, and tap **Continue**.
The category's row shows the new planned amount and a green lightning badge on its icon.
1. Tap **⋮** at the top of the budget, then **Events**.
2. Tap **+**, then **One-off event**.
3. Under **Select category**, choose a planned category or **Other**.
4. Enter the amount under **One-off amount**, add a description if you like, and tap **Continue**.
The category's row shows the new planned amount and a green **Event** line.
Move budget between categories
Move budget when one expense category needs more this month and another one has money left. The category you move from gets less and the one you move to gets more, for that month only, and the total stays the same.
Example: in November, \$50 for holiday gifts moves from **Eating Out & Delivery** to **Shopping**. Shopping's plan becomes \$350, **Food & Essentials**, which contains Eating Out & Delivery, becomes \$200, and the total stays \$1,000.
* You can take money from a category that has some left: its planned amount minus what you've already spent this month, shown as **Available**. You can't move more than that.
* Between income categories the limit is different: finerd compares the amount with how much more the receiving category has already earned than planned, so it can refuse an amount shown as **Available**. The steps below are for expenses.
* You can't move budget to or from **Other**, or between a category and its own subcategory.
1. In the row of the category that needs more, select **⋮**, then **Add event**.
2. Select **Move budget from another category**.
3. Under **Categories with available balance**, choose where to take the money from.
4. Enter the amount under **Amount to move**, add a description if you like, and select **Continue**.
If the amount is more than the category has available, finerd doesn't save it and says **The amount exceeds what's available in the source category.**
1. Tap **⋮** at the top of the budget, then **Events**.
2. Tap **+**, then **Reallocation**.
3. Under **Select category**, choose the category that needs more.
4. Under **Move budget from**, choose where to take the money from. Each category shows how much is **Available**.
5. Enter the amount under **Amount to move**, add a description if you like, and tap **Continue**.
If no other category has money left, the list says **No categories with available balance**. If the amount is more than the category has available, finerd says **The amount exceeds the category's available balance**.
1. Tap **⋮** at the top of the budget, then **Events**.
2. Tap **+**, then **Reallocation**.
3. Under **Select category**, choose the category that needs more.
4. Under **Move budget from**, choose where to take the money from. Each category shows how much is **Available**.
5. Enter the amount under **Amount to move**, add a description if you like, and tap **Continue**.
If the amount is more than the category has available, finerd says **The amount exceeds the category's available balance**.
Review, change or delete events
Events stay in the month you add them to:
* You can add, change and delete events in the current month and later months. Past months show their events but can't be changed.
* The next month starts without them: only the plan carries over.
* On the web and Android, **Edit budget** shows your plan without events.
* You can change an event's amount and description, but not its categories. To use other categories, delete the event and add a new one.
* Deleting a one-off you added for an alert brings the alert back if the category is still over its plan.
Select the lightning icon in a category's row to see its events: **One-off event** or **Reallocation**, with the amount and description. A move appears in both categories' rows.
* **Change an event:** select it, change the amount or description and select **Continue**.
* **Delete an event:** select it, then **⋮** and **Delete**, and confirm **Delete this event?**
Tap **⋮** at the top of the budget, then **Events**, to see every event of the month: **One-off event** with its category, or **Reallocation** with **From → To**, the amount and the description.
* **Change an event:** tap it, change the amount or description and tap **Save**.
* **Delete an event:** tap it, then the bin at the top, and confirm **Delete this event?**
Tap **⋮** at the top of the budget, then **Events**, to see every event of the month: **One-off event** with its category, or **Reallocation** with **From → To**, the amount and the description.
* **Change an event:** tap it, change the amount or description and tap **Save**.
* **Delete an event:** tap it, then the bin at the top, and confirm **Delete this event?**
On iOS, **Edit budget** shows the amounts with the month's events already included. If you save it, those amounts become the plan while the events stay, so they count twice. To change the plan of a month with events, use the web or Android, or delete the events first.
Change the plan from this month on
When the change is here to stay, change the plan instead of adding events: use **Adjust the plan** (web) or **Increase budget** (Android, iOS) on an alert, or change the category's amount as described in [Change or delete a budget](/budget/create-budget#change).
* The new amount applies from the month you change it in. Later months that don't have a plan of their own carry it over; a later month you've already changed, or added an event to, keeps its own plan.
* Changing a top-level category changes the total by the same amount, so **Other** keeps its amount.
* In a month with events, the amount you save is the plan before events, and the month's events are added on top of it. On the web, **Edit** in a category's row starts from the amount that already includes them: with a \$50 move into Shopping it shows \$350, and saving \$370 makes Shopping \$420 for that month.
* Past months can't be changed.
Related articles
* [Create and track a budget](/budget/create-budget): plan the month by category and read planned, actual and remaining amounts.
* [Add a transaction](/transactions/add-transaction): record the expense that pushed a category over its plan.
* [Split a transaction](/transactions/split-transaction): put each part of a purchase in its own category of the budget.
* [Set up categories, merchants and tags](/transactions/categories-merchants-tags#categories): create the categories you plan.
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