Is the money in a pouch real?

Yes. A pouch isn’t a forecast or a goal you’re hoping to hit — it’s a slice of money that actually exists.

This holds because of one rule: the sum of every pouch equals the sum of every On Budget account. Your budget is just a different view of the same dollars sitting in your bank — organized by purpose instead of by account.

So when a pouch shows $200, there really is $200 behind it. You can spend it with confidence, no guessing and no surprises.