Give next cycle’s money a job
Use Income Mapping to plan what available money will fund next.
Income Mapping helps you give money received in one cycle a job in the next. It is optional: start with the money you really have, and build ahead gradually if you need to.
Choose the cycle you want to fund
Moolah recommends a Monthly cycle from day 1 where practical. Weekly, Fortnightly, payday-aligned or a different Monthly cycle can also fit your household. Reporting dates and funding cycles are separate choices.
Check what the next cycle needs
Use your Cashflow plan to understand upcoming spending and goals. Check larger bills and their timing.
Give available money a purpose
Identify the money that is genuinely available after protected reserves and existing commitments. Allocate it to the next cycle without counting goal money or other reserved balances twice.
Check coverage before moving ahead
Leave any shortfall visible. If you cannot fund the whole next cycle yet, continue using income as it arrives while building the pool gradually.
You’re finished when…
You can tell which available money is for the next cycle, what it will cover and whether there is still a gap. Planning an allocation does not move money between bank accounts.
How groups connect to accounts
Each spending group represents the bank account that funds its categories. A Bills group might align with a Bills account; Everyday and Lifestyle groups can align with accounts used for those purposes.
Categories keep the detailed plan. Groups provide the account-level view of where money is intended to go. Income Mapping does not create accounts or transfer money for you.
Why this works
A forecast says what you expect to happen. Income Mapping decides which available money will fund a future cycle. An actual transaction records what really happened and keeps its real date.
Funding next cycle in advance creates a clearer allocation point. It does not require you to already have a month’s reserve, and it must not quietly reduce fixed commitments to manufacture goal money.
Example: funding around fortnightly pay
Jordan receives AUD 2,600 Fortnightly and expects AUD 4,400 of spending in the next four-week funding window. Jordan builds that window’s pool gradually from paydays. Calendar-month reporting still uses the real month length.
Only when the next window is genuinely funded can Jordan treat it as covered. The same dollar cannot fund spending, a protected reserve and a goal at once.
Next: Build towards one cycle ahead at a pace that fits your cash reality.