Wireframe · Running tab · Add-on Screen map
Phone SMS preview · tab add-on handoff SMS → web (only)
Mom wants to add $65 to Household tab (groceries). Open: plt.io/ta/…

Handoff only — no rebalance wizard in SMS

← Household tab

Add charge

Tab add-on · add to balance

Friends & family loan tracker. We never touch your money.

Canonical path for incidental extras Tab charges add to balance. No keep-length / keep-payment wizard. Funded fixed loans are not pile-on-rebalanced — use this tab, or propose a new fixed for a real new purpose.
+$65 · groceries
From Mom’s note / receipt. Adds to the open tab balance.
After +$65
Balance$180 → $245
Paymentstays $50
Left~4 → ~5 payments

Duration extends · no rebalance choice.

After +$65
Balance$180 → $245
Targetstays Mar 1, 2027
Payment$42 → $57 to hit date

Payment recalcs · I can reset or clear the date later.

Send to Alex to accept Cancel

Alex gets a handoff SMS → accept page. Fixed pile-on is deprecated — extras live here.