What happens to money that's unallocated?

In each year, excess income is computed automatically based on your configured income, expenses, debt payments, taxes due, and other variables. What’s left over is saved/invested according to the order of your cash-flow priorities.

If there is still money left over after handling all cash-flow priorities, it’s saved in cash… unless you’ve chosen the “Spend the Rest” option, in which case a Discretionary Spending expense will appear in the yearly summary pane. Your cash-flow priority settings can have a big impact on simulation results. Make sure you spend some time setting up good ones 😜