Give every dollar a job, one paycheck at a time.
Zero based budgeting works a pay period at a time here rather than a calendar month. Income lands, obligations come out, and what is left is yours to assign to named buckets before you spend any of it.
A monthly zero based budget asks you to plan a month you have not been paid for yet. If your money arrives every two weeks, the plan and the paycheck never line up, and the gap is where the overspending lives.
Buckets you name yourself
Fun money, investing, extra debt, a sinking fund. Each one takes an amount from this paycheck and can send it straight to the account or the goal it belongs to.
What is still unassigned, by account
The routine shows what is left over and splits it across the accounts holding it, so assigning money is a decision about a real balance rather than an abstract total.
A bucket for whatever is left
Mark one bucket "Whatever is left" and it absorbs the remainder, so a cycle can reach zero in one tap instead of by arithmetic.
It tells you before you close
Try to close a payday with money unassigned and the app says so, in those words. It does not stop you: some cycles you leave a float on purpose, and that is your call rather than a rule.
A cycle, from paid to assigned.
The same short list every payday, and it ends at zero when you want it to.
The specifics
Cashrou does not require a cycle to reach zero. It shows what is unassigned, offers a bucket that absorbs it, and says "You still have money unassigned" when you close with some left. Whether that is a mistake or a deliberate float is a question only you can answer, so it asks rather than blocks.
See it against your own numbers.
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