How Roo Assigns Your Funds

Quick Take

• Roo fills your pouches in priority order — like filling buckets one at a time
• The most important things get funded first
• Custom goal pouches start at $0 — you decide how much they get
• You can change any amount Roo suggests

This is just a starting point. Adjust anything that doesn’t feel right.

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How It Works

Roo looks at how much money you have available across your accounts and fills your pouches in order of what matters most. If you run out of money partway through, Roo stops there — the higher-priority pouches are already covered.

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Step 1: Cover the Basics

Roo tries to set aside enough for three things at once:

• Bills — one month’s worth of your regular bills
• Reservoir — enough daily cash to reach the end of this month
• Credit card payments — at least the minimum payment you owe

If you don’t have enough for all three, Roo splits what you have proportionally between them. Nobody gets skipped — everyone gets a fair share.

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Step 2: Give Daily Pouches a Head Start

Roo gives each of your daily spending pouches — Living, and any custom pouches paced by daily cash — a small head start. About 3 days’ worth, so you’re not starting from zero.

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Step 3: Extend Your Reservoir Runway

Roo extends your Reservoir’s runway to about 5 days past the end of the month — breathing room so you’re not cutting it close.

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Step 4: Pay Off Your Credit Cards

Roo tries to set aside enough to pay off your full credit card balance. Paying it all means you stop getting charged interest — and that’s money back in your pocket.

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Step 5: Prepare for Big Bills

Some bills don’t come every month — like yearly subscriptions or quarterly insurance payments. Roo sets aside the full amount for all of them, in case one comes due soon.

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Step 6: Get Ahead

If you still have money left, Roo builds a bigger runway:

• Two months of daily cash in your Reservoir
• Two months of regular bills plus all your non-monthly bills in your Bills pouch

If there’s still money beyond that, anything left goes straight into your Savings pouch.

Your custom goal pouches (like Vacation, Medical, or Emergency Fund) start at $0 on purpose. You know your goals better than Roo does — so you decide how much goes where.

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Remember

This is Roo’s best guess based on your plan. You can adjust any amount on this screen — move money between pouches, prime your daily spending pouches with a head start, or put more toward a goal. Roo won’t be offended.