A report at the end of the month tells you what already happened. The check-in is the moment you can still do something about it, so it now says more than a percentage.
If your Wants spending so far would empty the bucket before payday, the check-in says so with a date: "At this pace 🎯 Wants runs out around 23 Jun." It waits until the third day of the cycle and stays quiet when you're on track. Needs is left out on purpose: rent and bills land once a month, so they aren't a pace.
Small, frequent spends — chai, an auto, a recharge — are the ones that slip through. If the evening check-in finds no spending you logged that day, it asks (a recurring charge posting by itself doesn't count as you logging). One reply like "chai 20, auto 60" logs both.
Subscriptions are easy to forget until the money leaves. Any recurring expense due tomorrow is named in the check-in the evening before: "📅 Tomorrow: Netflix ₹649."
All of this rides on the check-in you already get — no extra messages. Set how often it comes under Account → Reminder frequency.