Goodbudget uses the Net Total in your accounts to budget with in your Envelopes. Checking and Savings accounts are added and Credit Card accounts that you pay off every month are subtracted to show you what you have minus what you owe. This way, you’ll be able to see how much you have if you pay off your credit card in full.
What if the Net Total in my accounts is negative?
If your Household looks like the screenshot below, it means that the amount you owe on your credit card exceeds what’s available in your Checking and Savings accounts.
If you’re working to pay off that credit card, you can change it to a Debt Account. That way, your debt balance will be off budget and won’t affect how much you can budget with in your Envelopes right now.