Funding Your Plan On Payday

Overview: Learn what happens when new income arrives in Roo, how it flows through your Income River Plan, and how to adjust allocations before funding if you want to.

What Funding Your Plan Means

When Roo detects new income, it does not immediately change your budget.

Instead, Roo creates an income transaction card with a Fund My Plan button.

This is Roo asking a simple question:

Nothing moves until you say yes.

What Counts as Income Here

This article applies to income you want to run through your plan such as:

Paychecks
Bonuses or commissions
Any deposit you want to run through your plan

When Roo recognizes income, it will clearly label it and give you the option to fund it.

What Happens When You Tap “Fund My Plan”

When you tap Fund My Plan:

The income flows through your Income River Plan
Money is automatically split across your pouches
Off the Top, Bills, the Reservoir to fund Daily Cash, Savings, and other pouches are funded based on your setup

You do not need to move money manually.

Once funded, the income becomes part of your active plan.

Why Income Waits Before Funding

Income pauses intentionally.

This gives you space to:

Confirm the income is correct
Decide when it should affect your plan
Stay in control of timing

Roo never assumes. You choose when money becomes “planned.”

Making Adjustments Before Funding (Optional)

When you tap Fund My Plan, you can make adjustments before finalizing how this income is allocated.

From here, you have two choices:

Review and adjust how this paycheck is split
Continue with your plan as-is

Both options are valid.

Option A: Click Review Split

This screen shows how your Income River Plan will split this income if you leave it alone.

You can:

See exactly where the money will go
Make one-time adjustments using the sliders

A few important things to know:

You must allocate 100% of the income
If you add money to one place, you must take it from another
These changes apply only to this paycheck

Your long-term plan does not change.

The next time income arrives, Roo will default back to the amounts on your Income River Plan screen.

Think of this as steering this paycheck, not rebuilding the system.

When you’re done:

Click Save in the top right corner
Click Next to continue

Option B: Click Next

If you want this income split exactly as planned, click Next without making changes.

Roo will:

Send the money through your plan
Show you how much flows into each pouch

From here, you can:

Click Finalize to make it official
Or go back if you decide you want to adjust something

Example: How I Use Review Split

Roo here! Most paychecks, I just tap Fund My Plan and keep hopping.

But last month, my joey needed an unexpected vet visit. One of those “this is fine… but also not cheap” moments.

When that paycheck came in, I tapped Review Split first.

On the split screen, I nudged a little more toward my vet and savings pouches and pulled a bit from places that could wait.

That adjustment applied only to that paycheck. My regular plan stayed exactly the same for next time.

Most of the time, I let the plan handle things automatically.

When life lands a surprise hop in my path, I steer one paycheck and keep going.

A Simple Way To Think About It

You are always in control.

You can:

Let the plan run automatically
Or fine-tune a single paycheck when life calls for it

Either way, Roo handles the mechanics so you don’t have to move money manually.