Coverage: what's left of your salary
Coverage answers one question at a glance: once everything you owe is accounted for, how much of your salary is still yours? It sits at the top of the Commitments tab.
Coverage is free for everyone — no subscription needed. Give it a salary and a payday and it fills in with your own numbers.
What the card shows
Three figures build to one:
- Salary — what you told Surrah you earn.
- Owed — the commitments falling due in the period you're looking at.
- Set aside — what your active savings goals need you to put away this month.
The large number is the result: Salary − Owed − Set aside. If your commitments come to more than your salary, the card says Over your salary instead of a figure, so you know the shortfall is real and not a rounding quirk.
Two ways to look at it
A switch at the top of the card changes the period:
- Pay cycle — from today until your next payday. This is the honest "what do I have to last me until I'm paid again" view, so it's the default. The card reads Left this pay cycle.
- This month — the current calendar month, start to end. Useful if you think in months rather than paydays. The card reads Left this month.
Owed changes with the period — a bill due after your next payday counts in This month but not in Pay cycle. What you're setting aside for goals is a monthly figure and stays the same in both.
Overdue always counts
Anything already overdue is money you owe now, so it's included in every period whatever its date was. Coverage never quietly drops a missed payment.
A few details
- It's built from your salary and your commitments only — not your day-to-day spending. Coverage tells you what you've committed, not what you spent at the shops.
- Different currencies are converted to your main currency using each commitment's exchange rate, so the one figure always makes sense.
- Coverage is yours alone, like the rest of Commitments. It's never tied to a space, and your salary is never shown to anyone you share one with.
To fill it in you need a salary and a payday — see Set up your salary and payday.