Include all asset accounts in Available to Budget
Previously only checked checking+savings; now includes investments and any other non-liability account types. Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
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@@ -929,9 +929,10 @@ export default function BudgetDashboard() {
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return e.allocated + incomeAlloc > 0 && e.spent > e.allocated + incomeAlloc;
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});
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// Available to budget = liquid assets (checking + savings) minus total envelope allocations
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// Available to budget = all asset accounts minus total envelope allocations
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const LIABILITY_TYPES = ['credit_card', 'mortgage', 'loan'];
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const liquidBalance = accounts
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.filter(a => a.type === 'checking' || a.type === 'savings')
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.filter(a => !LIABILITY_TYPES.includes(a.type))
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.reduce((s, a) => s + a.balance, 0);
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const totalAllocated = envelopes.reduce((s, e) => s + e.allocated, 0);
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const availableToBudget = liquidBalance - totalAllocated;
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@@ -948,7 +949,7 @@ export default function BudgetDashboard() {
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${Math.abs(availableToBudget).toFixed(2)}{availableToBudget < 0 ? ' over' : ''}
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</p>
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<p className="text-xs text-gray-500 mt-1">
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${liquidBalance.toFixed(2)} in checking & savings − ${totalAllocated.toFixed(2)} allocated to envelopes
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${liquidBalance.toFixed(2)} across all accounts − ${totalAllocated.toFixed(2)} allocated to envelopes
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</p>
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</div>
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<div className="text-4xl">{availableToBudget >= 0 ? '💰' : '⚠️'}</div>
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