How the six-tier priority system works
Why allocation order matters more than allocation percent for unpredictable income.
Building Reserves
Building Reserves
The six-tier priority system, surplus allocation rules, draw-downs, and What If simulations.
01
02
Setting Surplus Allocation Rules
Tell ReservWise what to do when a reserve overflows — automatically.
03
Drawing from a reserve safely
Manual draws, automatic draws, and the warnings ReservWise will surface.
04
Turning on Lean Month Mode
What gets cut, what's protected, and how to exit without breaking your reserves.
05
Running a What If simulation
Model a slow quarter or a big invoice landing — before it actually happens.
06
Adjusting reserve targets over time
When to raise targets, when to leave them, and how the AI Coach helps.
07
Renaming or restructuring reserves
Customize labels, colors, and groupings without losing history.
08
Pausing a reserve temporarily
Skip allocation to a tier without deleting it.
09
The math behind allocation
Exactly how each dollar is split across your six tiers.
10
Resetting a reserve to zero
Hard-reset a tier and re-fund from scratch.
11
Migrating from envelope budgeting
How reserves replace and improve on the envelope system.
12
Reserves vs. savings accounts
When to use real bank accounts and when ReservWise's virtual buckets are enough.
Didn't find your answer?
Email a human.
We answer every message — usually within four hours. No tier-gating, no AI-only triage.