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The funding style answers one question: Should money already available in this category reduce what I assign next?

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Add another

Assign the full target again each period, even when money is left over. Use this when you want the category to accumulate.
Example: Your monthly vacation target is $1,000 and $200 remains available. Add another calls for another $1,000, leaving $1,200 available after assignment if there is no new spending.
Good fits include:
  • Building a travel fund every month.
  • Setting aside a fixed amount for gifts throughout the year.
  • Growing a maintenance reserve beyond the current balance.

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Refill available

Assign only enough to restore the available balance to the target. Use this when you want to maintain a capped reserve.
Example: Your monthly car-repair target is $1,000 and $200 remains available. Refill available calls for $800, bringing the category back to $1,000.
Good fits include:
  • Keeping a fixed buffer for household repairs.
  • Restoring a monthly spending allowance after use.
  • Maintaining a capped reserve without accumulating above it.

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Compare the result

Add another can keep accumulating after the available balance reaches the target. Refill available needs no new assignment while the category is already full.

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A quick way to choose

  • Choose Add another if you mean, “Assign this much every period.”
  • Choose Refill available if you mean, “Keep this much available.”
  • Choose By a date instead if you mean, “Reach this one total by this date.”