A new month in Climb

The month flips and nothing dramatic happens: no closing ceremony, no reset button, nothing to submit. A new month is just a fresh set of envelopes waiting to be filled, sitting on top of everything your budget already knows. Here is exactly what carries over, what starts fresh, and where the new month's money comes from.

What carries over

Whatever an envelope had left on the last day of the month, it still has on the first day of the next one. A category's balance is a running total: everything you've ever budgeted into it, minus everything you've ever spent from it. The months are chapters, not separate books.

That's not a quirk; it's how saving works in Climb. The Car Repairs envelope is supposed to grow quietly for eight months and then take a big hit. Christmas is supposed to fatten all year. An envelope with a long-term destination doesn't start over in month two; it just keeps climbing.

Overspending carries too

The carry-forward is honest in both directions. An envelope that ended the month negative starts the new month negative: the overspending doesn't evaporate at midnight on the 31st. Cover it by moving money from an envelope that can spare it, same as any other month. See Covering overspending for the how and the why.

Where the new month's money comes from

Available to budget in the new month is the income you've pointed at that month, minus what you've budgeted in it so far. If you logged a late-month paycheck as income for the new month, it's already waiting there on the 1st. If you run your runway with the income buffer, last month's income funds this month automatically. Either way, the first-of-the-month job is the same one you already know: assign what's there until available to budget reads zero. (Income, paydays, and refunds covers pointing paychecks at months.)

Filling the month in one move

You don't have to rebuild your budget from memory every month. Autopilot holds your default month, how income splits when it arrives, and Quick Budget fills the new month with those defaults in one action. Then you adjust for what makes this month different: the birthday, the annual insurance bill, the trip. A few minutes on the 1st, and the month is planned.