Your running balance is driven by paycheck minus bills only, the money you've actually committed. Discretionary shows as a suggested ceiling in amber, not something subtracted. Each period tells you how much is free after bills and whether that's comfortably above your suggested spend, so you can ease up when it isn't.
Recurring bills
Income & suggestion
Suggested discretionary defaults to $663/period, your plan's break-even, the rate that keeps you above zero across the year. Set it wherever you want your soft target; it never forces the balance negative.
Cloud sync
Same Worker and token as your other tools. Plan data is stored under its own key.