Commitments

Commitments are big payments you’ve signed up for, or are saving toward, that don’t fit a monthly budget line: a property paid in installments, a car loan, a year of school fees, a wedding fund. For each one the tab shows the schedule, how much is funded and how much still isn’t, and it warns you when your household cash is projected to fall too low.

You create and change commitments with Lucius — he drafts the schedule and funding plan and you confirm every number. So connect an AI provider first.

Add a commitment

Open Commitments and click New commitment (on an empty tab, Draft a commitment with Lucius, or one of the types under Start with).
Pick a type:
- Purchase — property, a car, a big-ticket buy paid in installments.
- Loan repayment — paying down financing on a fixed schedule.
- Scheduled payments — a fixed series of dated payments, like school fees or insurance installments.
- Savings & investing goal — building toward a target, such as a savings fund or a monthly investing plan.
Lucius opens with that request. Answer his questions — amounts, dates, which account or envelope will pay — and confirm what he proposes.

The commitment appears in Active commitments.

Set your safety floor

The funding warning is measured against your safety floor — the least cash you want to keep on hand. Set it in either place:

Plan › Cash Flow → Projection settings → Safety floor, or
Settings › Profile → Low balance threshold.

With no floor set, the warning fires only when cash is projected to go below zero.

Read the overview

The headline is Household cash above floor, or Short $X (whole dollars, and “at today’s exchange rates” when your book spans more than one currency) — the deepest your cash is projected to fall below your floor within the timeframe you picked (12 months to start). The line underneath names the month cash first dips below the floor and, if different, the month it’s lowest, and wraps onto a second line rather than being cut off. The suggestion beside Fix with Lucius reads as plain sentences: what is short and when, then why (for example, the sale that is meant to cover it is planned for a date after the payment, in quotes with the number of weeks), then what would fix it. Change the window with the Timeframe control on the funding outlook.
Fix with Lucius asks Lucius to suggest how to close a gap.
The four figures under the headline: Committed remaining, Due in 30 days, Recurring funding / mo and Cash earmarked. Due in 30 days is everything going out from today through day 30, auto-debits and goal set-asides included, the same total as the Dashboard’s Next 30 days. Recurring funding / mo counts only the monthly funding sources (budget envelope top-ups) feeding these commitments, so it can read S$0.00 next to a scheduled set-aside: a one-off or scheduled set-aside on a goal counts under Due in 30 days instead.
Needs your attention lists payments overdue, payments that look paid, and actions coming due soon. Its overdue count and total are the same ones the Dashboard and the daily briefing quote: unpaid or not-done items dated before today, funding that hasn’t arrived excluded. Mark paid works straight from here.
Funding you have marked as arrived (or linked to the transaction that brought it in) counts as received: it no longer shows as late or as coming in on Next 30 days, in the daily briefing, or in the funding outlook, so the money is not counted twice.
The list shows each commitment’s progress, what’s left and whether it’s on track. Switch between Active, At risk, Completed and Goals, and sort with Sort: Most at risk, Sort: Next payment or Sort: Remaining.

The Dashboard’s Funding shortfall flag is the same 12-month figure: both screens read one shared fetch of it, so they can’t differ because they asked at different moments.

Manage a commitment

Click a commitment to open it. It has four tabs: Overview, Schedule (Contributions for a goal), Funding and Actions & events.

Record a payment

In Schedule, find the installment and click Mark paid (Mark done for a goal).
Check Amount paid. Entering less records a partial payment: the rest stays due as a separate row.
Confirm. Or click Link txn to tie the installment to the real transaction in your ledger — it has to be a transaction that exists there; a deleted or made-up one is refused. An overdue installment also offers Reschedule.

Change the funding — in Funding, click Edit on a funding source to change its amount or note. A source can be an account, an envelope in your budget, or income.

Reminders — in Actions & events, click the bell (Remind me) on a step to get a reminder before it’s due. Click it again (Cancel reminder) to turn it off. Each reminder is an Automation, so it also shows on the Automations page. Mark a step Mark done, or Not happening to drop the funding it would have unlocked.

Anything else — adding a new funding source, adding a step, or changing the schedule — click Manage with Lucius in that tab and describe the change.

Finish or remove — Mark completed when it’s done (Reactivate undoes it). The ⋯ menu has Cancel commitment and Delete commitment.

What Lucius can do here

Create a commitment of any type from a plain description, with its schedule and funding.
Add, change or remove funding sources, installments and steps.
Record a loan repayment, add reminders, and suggest how to fix a shortfall.

Troubleshooting

Creating a commitment just opens Lucius — that’s how commitments are made. If Lucius can’t answer, check your AI provider under Connecting an AI provider.

A new commitment shows as unfunded — creating one doesn’t fund it. Coverage rises only once a real funding source (an account, an envelope or income) is linked to it.

“Short” on Commitments differs from what I expected — it depends on the timeframe you picked; a longer window can find a deeper, later low point. The Dashboard always uses 12 months.

A loan commitment doesn’t match my bank — it follows the schedule you gave it. It doesn’t check your rate or amortization with the lender.