Goal money comes off your pay first; what's left is your spending money. From the 30 Nov salary, goals are paid from your SIP share. Two or three goals work better than many.
What the planner works from: your offer letter, your split, and payments fixed in advance. Change them here when your pay or plans change.
Billed is the statement, straight from the bank's or CRED's bill email when one has arrived. Unbilled is what you've spent since; it becomes billed on the date shown. Payments are matched to a card by CRED's and ICICI's confirmation emails, and go to the billed amount first.
Hollow dashed dots are statement dates; solid ones are due dates.
Tap a category to change it. The change applies to every transaction from that payee, past and future.