The Cash Coverage card on the Bills page answers one question at a glance: if every credit card coming due in the next 30 days landed today, could you actually cover it? It's not a forecast — it's a snapshot built from the balances you've already entered, so it's only as current as your last update.

What you'll see

Cash Coverage shows one of four states:

Green — Covered. Your designated cash is at least the full balance of every credit card due in the next 30 days. You could pay every one of them off completely, not just the minimum.
Amber — Minimums only. Your cash covers the minimum payments, but not the full balances. You're not going to miss a payment, but you'd be carrying a balance forward.
Red — Short. Your cash can't cover even the minimum payments on the cards coming due. This is the state worth acting on.
Nothing due. No credit cards have a due date in the next 30 days — there's nothing to check yet.

The card also breaks down the numbers behind the status: your total designated cash, the sum of minimum payments due, and the sum of full balances due, plus a line for each card and its due date.

What counts as "cash"

Cash Coverage only counts accounts you've explicitly marked as spendable — not your whole net worth, and not every account on Assets. Open an account on the Assets page, edit it, and toggle "Count as spendable cash" in the account editor.

Checking accounts count by default. Every checking account is flagged as spendable cash automatically when you add it — and any checking accounts you already had were switched on when Cash Coverage launched — so you get a useful number on day one without setting anything up. From there, toggle any account on or off: maybe your HYSA is really your safety net and shouldn't count, or maybe a checking account genuinely isn't spendable and you want it off. It's your call — if you turn everything off, Cash Coverage counts nothing, which shows up as a red status rather than a silently wrong number.

Which cards it looks at

Cash Coverage looks at every credit card account on the Debt page with a balance greater than zero, and checks whether its due date (based on the day-of-month you set when you added the card) falls within the next 30 days. Student loans, mortgages, auto loans, and other non-revolving debt aren't part of this check — Cash Coverage is specifically about the debt you might carry from statement to statement.

Balances are what you entered

Like the rest of Assets and Debt, there's no bank sync. Cash Coverage is built from the current balance you last saved for each cash account and each card. The card notes an "as of" date so you can see how fresh the numbers are — if it's been a while, update your balances on Assets and Debt before trusting the status.

When cash falls short

If your status goes red, BudgetLabs creates an in-app notification — "Cash may not cover your cards" — so you don't have to remember to check the Bills page. It fires at most once per calendar month, so you won't get paged every time you open the app while still in a red state. There's no push notification or email for this yet; the alert lives in your in-app notification feed today.

What's planned

Cash Coverage today is a snapshot, not a forecast. It doesn't look further ahead than 30 days, it doesn't let you pick specific cards in or out of the check, and it doesn't push or email you. Those are reasonable next steps we're considering — see the roadmap for what's shipped and what's next.

Bill Reminders — Cash Coverage lives on the same page and uses the same 30-day window as the Pay today / This week / Later buckets.
Debt Tracker — where your credit card balances, minimum payments, and due days come from.
Assets & Savings — where you designate which accounts count as spendable cash and keep their balances current.