Add Deposit (income)
Enter a lump deposit. The auto-split fills each subcategory up to its per-window target in priority order: Hard → Roth → Soft → Discretionary → Long-Term Savings (catches any leftover). Edit any row before saving.
Account Balances (lifetime)
Per subcategory: total deposited − total spent. Positive = earmarked surplus still sitting in the account. Negative = overspent that envelope.
Roth Contributions (out-of-account)
Roth allocations are assumed to leave the system into your Roth IRA. Tracked here for visibility only — they don't appear in any account balance.