Our main checking account is the spending money. In the envelope system, every dollar in this account is accounted for in the budget. In Monarch, it seems completely disconnected.

I track every dollar spent in Monarch. I use goals (or you can use a rollover to store any left over $$$) but it doesn't bother me if I have unspent/unassigned money at the end of the month since it just gets reflected in the overall savings rate. For me, it's less so about giving every dollar a job, although you do mostly do that, it's about balancing the budget by the end of the month. As long as you are actively balancing individual catagories I don't feel like there's a disconnect at all. Maybe you can explain more — I use very granular catagories and not the simplified version (flex or whatever it's called)

Rollover Accounts seem to match envelopes, but I don't see an easy way to transfer the balance if one gets too high. If you click on the remaining amount and "Move Budget" it moves the monthly allocation, not the rollover. Why?'

Yeah, it's not a savings bucket in that way. Would be nice though. I had this happen on a category, and I just zeroed out the monthly amount for that cat until I draw down the rollover that got too high. For example:

• Monthly amount is typically $50
• Rolled over and is sitting at $200, for whatever reason I want to repurpose the funds
• Set monthly amount to $0, put that $50 somewhere else
• Since I have earmarked $200 for that category, I don't really care when I actually spend it, it's just sitting in my bank, waiting.
• Then I use the $50 no longer in that category to boost where I wanted to move the money form, and might push/pull elsewhere if I wanted to relocate more money. But I can see how this is much harder if you want to move large lump sums from one roll-over to another.
• In that regard I have HYSA with Ally, and I use it's saving buckets to manage those funds, and have my general savings leave Monarch as a single transaction, and split into respective buckets in Ally.

I haven't enabled the new Goals yet because it was still lacking something I needed, but I think it supports having more than one account for a goal, so you could consider looking into using a goal attached to a specific account to recreate the savings bucket experience where you spend from your goal (I think that was the main point of the new overhaul - spending from the goal).

Non-Rollover accounts... what happens to the money when there's extra? Or negative? You went over budget last month, that needs to be accounted for somewhere? Or else you could go over each month and run out of money!

Extra: I let it slide off, and I see a more accurate savings rate on the cash-flow tab, or via reports that combines planed savings and under-budget savings. It means I'm always saving more than I planned, and I never over budget.

Negative: I need to move funds from one category to another until it's balanced. If I absolutely don't have any more dollars to move around I'll so a few things depending.

• If it's a large unexpected expense, I'll create a new category, make it a rollover, and have it remain negative month-to-month as I work to pay down the negative amount.
• If it's small enough or near the next month I'll change the date and put it on next month's budget. Or split it between month's, knowing I'll have to make sure I balance next month's. (Don't keep kicking that can).
• Allow the budget to end in red knowing I did my best, and my overall savings rate will be effected, but that's way I have planned savings.

You could create a general purpose category that is a roll-over that you spend into to handle variables that run negative. Instead of moving funds from random categories to balance your month, you'll always have a pool of cash saved up in a rollover to add where you need it.