Simply decide how much money you want to keep available in your main deposit account, and whenever your balance exceeds that amount, the Routine will send a specified amount (you decide how much) to a savings Plan. Any money in a Plan is kept separate from your available balance – meaning it cannot be spent, unless you choose to move it into your main account. This means you dictate how much of your money is available to withdraw at any given time.

Protect the extra Routine

First, you’ll need to decide generally how much you’d like to keep in your main deposit account. This should be a range, but don’t stress too much about the numbers – you can always change them later.

Let’s say that keeping your available balance between $250-$500 is the sweet spot for you, and you want to move money to a savings Plan if your available balance reaches or exceeds $500. In that case, if your available balance reaches or exceeds $500, you could have the Routine move $250 to a savings Plan (you’ll need to have at least one Plan to use this Routine). The Routine will not run unless your available balance is equal to or greater than the limit you set; when it does run, it will move the amount you have specified to the designated Plan.¹

Remember, if you need quick cash, you can always move money from a Plan to your main account instantly!

How to set up this Routine:

1. Click "Try this Routine"
2. Decide how high you would like your available balance to be before money gets moved to a Plan (this is the high end of your target range – an amount will be pre-populated when you activate this Routine, but you can edit before you enable it)
3. If you do not have a Plan set up yet, create one (this is where your “extra” money will be diverted to)
4. Decide what you’d like your minimum available balance to be (this is the low end of your target range). Based on this number, choose the dollar amount you’d like to send to a savings Plan once your available balance exceeds the high end of your range (you know the drill – edit the pre-populated amount as needed)
5. Select the Plan you would like to send this money to
6. Save your Routine and adjust as needed

Pro tip: the “perfect” balance range for your financial situation can be hard to pin down. Don’t sweat it, though! Start with your best guess based on the deposits and expenses you expect each month. You can adjust as frequently as you need to.

¹ Balance-triggered Routines will run once per day, at 10am PST on the day in which the funds that cause your balance to reach the specified amount are posted to your account as available funds.