Screens in this prototype

Reach: Spend → Money Flow

Default. Income, the hub, three sibling buckets with amount and share, the leftover. Everything collapsed.

Reach: First visit, after the buckets are seeded

The default for a household that hasn't set up a framework: the full four-bucket system shown as a blank template. Same buckets, default descriptions, no accounts connected, no amounts, no targets, dashed connectors because no money moves yet. Income still shows — it comes from the bank feed. Setup happens here (register rows 1, 52, 61).

Reach: More on the income box

Reach: More on the hub

Reach: More on Lifestyle Spend

Reach: More on Short-term savings

SortMe could not match the transfer, so it asks. Sub-bucket allocations totalling the $520.00 on the branch.

Reach: More on Long-term savings

Reach: Edit a bucket → + Add a spend target

Searchable picker over the real 178 NZFCC expense categories. A category already capped in this bucket is disabled; one capped in another bucket is allowed and labelled.

Reach: Answer Yes on the unconfirmed transfer

Reach: Pencil beside a bucket name

Reach: Rename a bucket, connection drops

Reach: Spend → My Budget

The BudgetGroupTable shape with its category groups restructured as the four buckets.

Reach: Open a bucket's categories

Category targets each carry their own timeline, normalised to the household's cycle.

Reach: Lifestyle Spend categories

Eating Out tracked separately inside Household Essentials and Lifestyle Spend.

Reach: Spend → Spend Overview

Reach: Household Essentials detail

Spent $1,686.40 of $1,460.00 allocated and explicitly NOT flagged — the rule the whole reporting change exists for.

Reach: See what it went on

Reach: Overview

Scaffolded from the kit's financial-overview screen template, with the Money Journey and Money Flow cards added.

Reach: Overview when the household has pending actions

The conditional ActionNeededSection. default_visible:false in the region manifest, so it is its own state rather than part of the default page.

Reach: Edit a bucket amount, connection drops

This page owns the four numbers that are the budget, so it needs the same save / saved / failed affordances as the rename on Money Flow.