Questions, answered plainly.

The part of this month’s planned income you haven’t assigned to anything yet. It’s a planning number, not cash — it doesn’t sit in an account of its own. In the example September plan, the margin is OMR 20.000.

No. Mizan never moves money. A plan records what you intend income to do — living costs, bills, your reserve, investing. Paying and transferring stay with your bank.

An upcoming bill is a forecast: it shows the expected date and amount and is labelled as not yet paid. It becomes a transaction only when evidence arrives — a message, a statement row, or your own entry. A variable bill, like water, shows an estimate until the real amount is known.

Add it as an annual bill with its due date. Mizan shows a monthly planning equivalent — for example, car insurance of OMR 96.000 a year becomes OMR 8.000 a month in your plan — but it’s only counted as spending when it’s actually paid.