diff --git a/app/Models/Bucket.php b/app/Models/Bucket.php
index 4b7ae38..61ff889 100644
--- a/app/Models/Bucket.php
+++ b/app/Models/Bucket.php
@@ -10,10 +10,14 @@
 use Illuminate\Database\Eloquent\Relations\HasMany;
 
 /**
+ * @property int $id
  * @property int $scenario_id
  * @property Scenario $scenario
  * @property string $name
  * @property int $priority
+ * @property BucketAllocationType $allocation_type
+ * @property float $starting_amount
+ * @property float $allocation_value
  */
 class Bucket extends Model
 {
diff --git a/app/Models/Draw.php b/app/Models/Draw.php
new file mode 100644
index 0000000..8040ae0
--- /dev/null
+++ b/app/Models/Draw.php
@@ -0,0 +1,51 @@
+<?php
+
+namespace App\Models;
+
+use App\Models\Traits\HasAmount;
+use App\Models\Traits\HasProjectionStatus;
+use Carbon\Carbon;
+use Database\Factories\DrawFactory;
+use Illuminate\Database\Eloquent\Factories\HasFactory;
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+/**
+ * @property Bucket $bucket
+ * @property int $priority_order
+ * @property float $amount
+ * @property Carbon $date
+ * @property string $description
+ * @property bool $is_projected
+ */
+class Draw extends Model
+{
+    /** @use HasFactory<DrawFactory> */
+    use HasFactory;
+    use HasProjectionStatus;
+    use HasAmount;
+
+    protected $fillable = [
+        'bucket_id',
+        'amount',
+        'date',
+        'description',
+        'is_projected',
+    ];
+
+    protected $casts = [
+        'amount' => 'integer',
+        'date' => 'date',
+        'is_projected' => 'boolean',
+    ];
+
+    public function bucket(): BelongsTo
+    {
+        return $this->belongsTo(Bucket::class);
+    }
+
+    public function scenario(): BelongsTo
+    {
+        return $this->bucket->scenario();
+    }
+}
diff --git a/app/Models/Inflow.php b/app/Models/Inflow.php
new file mode 100644
index 0000000..918ea22
--- /dev/null
+++ b/app/Models/Inflow.php
@@ -0,0 +1,48 @@
+<?php
+
+namespace App\Models;
+
+use App\Models\Traits\HasAmount;
+use App\Models\Traits\HasProjectionStatus;
+use Carbon\Carbon;
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+/**
+ * @property int $id
+ * @property int $stream_id
+ * @property Stream $stream
+ * @property float $amount
+ * @property Carbon $date
+ * @property string $description
+ * @property bool $is_projected
+ */
+class Inflow extends Model
+{
+    use HasProjectionStatus;
+    use HasAmount;
+
+    protected $fillable = [
+        'stream_id',
+        'amount',
+        'date',
+        'description',
+        'is_projected',
+    ];
+
+    protected $casts = [
+        'amount' => 'integer',
+        'date' => 'date',
+        'is_projected' => 'boolean',
+    ];
+
+    public function stream(): BelongsTo
+    {
+        return $this->belongsTo(Stream::class);
+    }
+
+    public function scenario(): BelongsTo
+    {
+        return $this->stream->scenario();
+    }
+}
diff --git a/app/Models/Outflow.php b/app/Models/Outflow.php
new file mode 100644
index 0000000..f569416
--- /dev/null
+++ b/app/Models/Outflow.php
@@ -0,0 +1,58 @@
+<?php
+
+namespace App\Models;
+
+use App\Models\Traits\HasAmount;
+use App\Models\Traits\HasProjectionStatus;
+use Carbon\Carbon;
+use Database\Factories\OutflowFactory;
+use Illuminate\Database\Eloquent\Factories\HasFactory;
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+/**
+ * @property int $id
+ * @property int $stream_id
+ * @property Stream $stream
+ * @property int $amount
+ * @property Carbon $date
+ * @property string $description
+ * @property bool $is_projected
+ */
+class Outflow extends Model
+{
+    /** @use HasFactory<OutflowFactory> */
+    use HasFactory;
+    use HasProjectionStatus;
+    use HasAmount;
+
+    protected $fillable = [
+        'stream_id',
+        'bucket_id',
+        'amount',
+        'date',
+        'description',
+        'is_projected',
+    ];
+
+    protected $casts = [
+        'amount' => 'integer',
+        'date' => 'date',
+        'is_projected' => 'boolean',
+    ];
+
+    public function stream(): BelongsTo
+    {
+        return $this->belongsTo(Stream::class);
+    }
+
+    public function bucket(): BelongsTo
+    {
+        return $this->belongsTo(Bucket::class);
+    }
+
+    public function scenario(): BelongsTo
+    {
+        return $this->stream->scenario();
+    }
+}
diff --git a/app/Models/Traits/HasProjectionStatus.php b/app/Models/Traits/HasProjectionStatus.php
new file mode 100644
index 0000000..f23413c
--- /dev/null
+++ b/app/Models/Traits/HasProjectionStatus.php
@@ -0,0 +1,69 @@
+<?php
+
+namespace App\Models\Traits;
+
+trait HasProjectionStatus
+{
+    public function initializeHasProjectionStatus(): void
+    {
+        $this->fillable = array_merge($this->fillable ?? [], [
+            'is_projected',
+        ]);
+
+        $this->casts = array_merge($this->casts ?? [], [
+            'is_projected' => 'boolean',
+        ]);
+    }
+
+    /**
+     * Scope to filter projected transactions
+     */
+    public function scopeProjected($query)
+    {
+        return $query->where('is_projected', true);
+    }
+
+    /**
+     * Scope to filter actual transactions
+     */
+    public function scopeActual($query)
+    {
+        return $query->where('is_projected', false);
+    }
+
+    /**
+     * Check if this transaction is projected
+     */
+    public function isProjected(): bool
+    {
+        return $this->is_projected;
+    }
+
+    /**
+     * Check if this transaction is actual
+     */
+    public function isActual(): bool
+    {
+        return ! $this->is_projected;
+    }
+
+    /**
+     * Mark transaction as projected
+     */
+    public function markAsProjected(): self
+    {
+        $this->update(['is_projected' => true]);
+
+        return $this;
+    }
+
+    /**
+     * Mark transaction as actual
+     */
+    public function markAsActual(): self
+    {
+        $this->update(['is_projected' => false]);
+
+        return $this;
+    }
+}
diff --git a/app/Services/Projection/PipelineAllocationService.php b/app/Services/Projection/PipelineAllocationService.php
new file mode 100644
index 0000000..5835e37
--- /dev/null
+++ b/app/Services/Projection/PipelineAllocationService.php
@@ -0,0 +1,118 @@
+<?php
+
+namespace App\Services\Projection;
+
+use App\Enums\BucketAllocationType;
+use App\Models\Bucket;
+use App\Models\Draw;
+use App\Models\Scenario;
+use Carbon\Carbon;
+use Illuminate\Support\Collection;
+
+readonly class PipelineAllocationService
+{
+    /**
+     * Allocate an inflow amount across scenario buckets according to priority rules.
+     *
+     * @param Scenario $scenario
+     * @param float $amount
+     * @param Carbon|null $date
+     * @param string|null $description
+     * @return Collection<Draw> Collection of Draw models
+     */
+    public function allocateInflow(Scenario $scenario, float $amount, ?Carbon $date = null, ?string $description = null): Collection
+    {
+        $draws = collect();
+
+        // Guard clauses
+        if ($amount <= 0) {
+            return $draws;
+        }
+
+        // Get buckets ordered by priority
+        $buckets = $scenario->buckets()
+            ->orderBy('priority')
+            ->get();
+
+        if ($buckets->isEmpty()) {
+            return $draws;
+        }
+
+        $priorityOrder = 1;
+        $remainingAmount = $amount;
+        $allocationDate = $date ?? now();
+
+        foreach ($buckets as $bucket) {
+            if ($remainingAmount <= 0) {
+                break;
+            }
+
+            $allocation = $this->calculateBucketAllocation($bucket, $remainingAmount);
+
+            if ($allocation > 0) {
+                $draw = new Draw([
+                    'bucket_id' => $bucket->id,
+                    'amount' => $allocation,
+                    'date' => $allocationDate,
+                    'description' => $description ?? "Allocation from inflow",
+                    'is_projected' => true,
+                ]);
+
+                // Add priority_order as a custom attribute for pipeline visualization
+                $draw->priority_order = $priorityOrder;
+
+                $draws->push($draw);
+                $remainingAmount -= $allocation;
+                $priorityOrder++;
+            }
+        }
+
+        return $draws;
+    }
+
+    /**
+     * Calculate how much should be allocated to a specific bucket.
+     *
+     * @param Bucket $bucket
+     * @param float $remainingAmount
+     * @return float
+     */
+    private function calculateBucketAllocation(Bucket $bucket, float $remainingAmount): float
+    {
+        return match ($bucket->allocation_type) {
+            BucketAllocationType::FIXED_LIMIT => $this->calculateFixedAllocation($bucket, $remainingAmount),
+            BucketAllocationType::PERCENTAGE => $this->calculatePercentageAllocation($bucket, $remainingAmount),
+            BucketAllocationType::UNLIMITED => $remainingAmount, // Takes all remaining
+            default => 0,
+        };
+    }
+
+    /**
+     * Calculate allocation for fixed limit buckets.
+     *
+     * @param Bucket $bucket
+     * @param float $remainingAmount
+     * @return float
+     */
+    private function calculateFixedAllocation(Bucket $bucket, float $remainingAmount): float
+    {
+        $bucketCapacity = $bucket->allocation_value ?? 0;
+        $currentBalance = $bucket->getCurrentBalance();
+        $availableSpace = max(0, $bucketCapacity - $currentBalance);
+
+        return min($availableSpace, $remainingAmount);
+    }
+
+    /**
+     * Calculate allocation for percentage buckets.
+     *
+     * @param Bucket $bucket
+     * @param float $remainingAmount
+     * @return float
+     */
+    private function calculatePercentageAllocation(Bucket $bucket, float $remainingAmount): float
+    {
+        $percentage = $bucket->allocation_value ?? 0;
+        return $remainingAmount * ($percentage / 100);
+    }
+}
diff --git a/composer.json b/composer.json
index 5ef4352..315ca85 100644
--- a/composer.json
+++ b/composer.json
@@ -9,7 +9,7 @@
     ],
     "license": "MIT",
     "require": {
-        "php": "^8.2",
+        "php": "^8.3",
         "inertiajs/inertia-laravel": "^2.0",
         "laravel/fortify": "^1.30",
         "laravel/framework": "^12.0",
diff --git a/database/factories/DrawFactory.php b/database/factories/DrawFactory.php
new file mode 100644
index 0000000..c98deaf
--- /dev/null
+++ b/database/factories/DrawFactory.php
@@ -0,0 +1,36 @@
+<?php
+
+namespace Database\Factories;
+
+use App\Models\Bucket;
+use App\Models\Draw;
+use Illuminate\Database\Eloquent\Factories\Factory;
+
+/**
+ * @extends Factory<Draw>
+ */
+class DrawFactory extends Factory
+{
+    /**
+     * Define the model's default state.
+     *
+     * @return array<string, mixed>
+     */
+    public function definition(): array
+    {
+        return [
+            'bucket_id' => null,
+            'amount' => $this->faker->numberBetween(5000, 200000), // $50 to $2000 in cents
+            'date' => $this->faker->dateTimeBetween('-6 months', 'now'),
+            'description' => $this->faker->sentence(),
+            'is_projected' => $this->faker->boolean(),
+        ];
+    }
+
+    public function bucket(Bucket $bucket): self
+    {
+        return $this->state(fn () => [
+            'bucket_id' => $bucket->id,
+        ]);
+    }
+}
diff --git a/database/factories/OutflowFactory.php b/database/factories/OutflowFactory.php
new file mode 100644
index 0000000..aa6581d
--- /dev/null
+++ b/database/factories/OutflowFactory.php
@@ -0,0 +1,40 @@
+<?php
+
+namespace Database\Factories;
+
+use App\Models\Bucket;
+use App\Models\Outflow;
+use App\Models\Stream;
+use Illuminate\Database\Eloquent\Factories\Factory;
+
+/**
+ * @extends Factory<Outflow>
+ */
+class OutflowFactory extends Factory
+{
+    public function definition(): array
+    {
+        return [
+            'stream_id' => null,
+            'bucket_id' => null,
+            'amount' => $this->faker->numberBetween(2500, 100000), // $25 to $1000 in cents
+            'date' => $this->faker->dateTimeBetween('-6 months', 'now'),
+            'description' => $this->faker->sentence(),
+            'is_projected' => $this->faker->boolean(),
+        ];
+    }
+
+    public function stream(Stream $stream): self
+    {
+        return $this->state(fn () => [
+            'stream_id' => $stream->id,
+        ]);
+    }
+
+    public function bucket(Bucket $bucket): self
+    {
+        return $this->state(fn () => [
+            'bucket_id' => $bucket->id,
+        ]);
+    }
+}
diff --git a/database/migrations/2025_12_30_234435_create_inflows_table.php b/database/migrations/2025_12_30_234435_create_inflows_table.php
new file mode 100644
index 0000000..1a55692
--- /dev/null
+++ b/database/migrations/2025_12_30_234435_create_inflows_table.php
@@ -0,0 +1,29 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('inflows', function (Blueprint $table) {
+            $table->id();
+            $table->foreignId('stream_id')->nullable()->constrained()->onDelete('set null');
+            $table->unsignedBigInteger('amount');
+            $table->date('date');
+            $table->text('description')->nullable();
+            $table->boolean('is_projected')->default(true);
+            $table->timestamps();
+
+            $table->index(['stream_id', 'date']);
+            $table->index('is_projected');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('inflows');
+    }
+};
diff --git a/database/migrations/2025_12_30_234514_create_outflows_table.php b/database/migrations/2025_12_30_234514_create_outflows_table.php
new file mode 100644
index 0000000..f9757b6
--- /dev/null
+++ b/database/migrations/2025_12_30_234514_create_outflows_table.php
@@ -0,0 +1,30 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('outflows', function (Blueprint $table) {
+            $table->id();
+            $table->foreignId('stream_id')->nullable()->constrained()->onDelete('set null');
+            $table->foreignId('bucket_id')->nullable()->constrained()->onDelete('set null');
+            $table->unsignedBigInteger('amount');
+            $table->date('date');
+            $table->text('description')->nullable();
+            $table->boolean('is_projected')->default(true);
+            $table->timestamps();
+
+            $table->index(['bucket_id', 'date']);
+            $table->index('is_projected');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('outflows');
+    }
+};
diff --git a/database/migrations/2025_12_30_234548_create_draws_table.php b/database/migrations/2025_12_30_234548_create_draws_table.php
new file mode 100644
index 0000000..5835f47
--- /dev/null
+++ b/database/migrations/2025_12_30_234548_create_draws_table.php
@@ -0,0 +1,29 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('draws', function (Blueprint $table) {
+            $table->id();
+            $table->foreignId('bucket_id')->constrained()->onDelete('cascade');
+            $table->unsignedBigInteger('amount');
+            $table->date('date');
+            $table->text('description')->nullable();
+            $table->boolean('is_projected')->default(true);
+            $table->timestamps();
+
+            $table->index(['bucket_id', 'date']);
+            $table->index('is_projected');
+        });
+    }
+
+    public function down(): void
+    {
+        Schema::dropIfExists('draws');
+    }
+};
diff --git a/routes/web.php b/routes/web.php
index 6b6d9d4..78779c4 100644
--- a/routes/web.php
+++ b/routes/web.php
@@ -1,6 +1,7 @@
 <?php
 
 use App\Http\Controllers\BucketController;
+use App\Http\Controllers\ProjectionController;
 use App\Http\Controllers\ScenarioController;
 use App\Http\Controllers\StreamController;
 use Illuminate\Support\Facades\Route;
@@ -30,6 +31,9 @@
 Route::delete('/streams/{stream}', [StreamController::class, 'destroy'])->name('streams.destroy');
 Route::patch('/streams/{stream}/toggle', [StreamController::class, 'toggle'])->name('streams.toggle');
 
+// Projection routes (no auth required for MVP)
+Route::post('/scenarios/{scenario}/projections/calculate', [ProjectionController::class, 'calculate'])->name('projections.calculate');
+
 Route::middleware(['auth', 'verified'])->group(function () {
     Route::get('dashboard', function () {
         return Inertia::render('dashboard');
diff --git a/tests/Unit/BucketTest.php b/tests/Unit/BucketTest.php
new file mode 100644
index 0000000..c860038
--- /dev/null
+++ b/tests/Unit/BucketTest.php
@@ -0,0 +1,82 @@
+<?php
+
+namespace Tests\Unit;
+
+use App\Enums\BucketAllocationType;
+use App\Models\Bucket;
+use App\Models\Draw;
+use App\Models\Outflow;
+use App\Models\Scenario;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Tests\TestCase;
+
+class BucketTest extends TestCase
+{
+    use RefreshDatabase;
+
+    public function test_current_balance_includes_starting_amount()
+    {
+        // Arrange
+        $scenario = Scenario::factory()->create();
+        $bucket = Bucket::factory()->create([
+            'scenario_id' => $scenario->id,
+            'starting_amount' => 100000, // $1000 in cents
+            'allocation_type' => BucketAllocationType::UNLIMITED,
+        ]);
+
+        // Create draws and outflows directly
+        Draw::create([
+            'bucket_id' => $bucket->id,
+            'amount' => 50000, // $500 in cents
+            'date' => now(),
+            'description' => 'Test draw',
+            'is_projected' => false,
+        ]);
+
+        Outflow::create([
+            'stream_id' => null, // We'll make this nullable for test
+            'bucket_id' => $bucket->id,
+            'amount' => 20000, // $200 in cents
+            'date' => now(),
+            'description' => 'Test outflow',
+            'is_projected' => false,
+        ]);
+
+        // Act & Assert
+        // starting_amount (1000) + draws (500) - outflows (200) = 1300
+        $this->assertEquals(1300.00, $bucket->getCurrentBalance());
+    }
+
+    public function test_current_balance_without_starting_amount_defaults_to_zero()
+    {
+        // Arrange
+        $scenario = Scenario::factory()->create();
+        $bucket = Bucket::factory()->create([
+            'scenario_id' => $scenario->id,
+            'starting_amount' => 0, // $0 in cents
+            'allocation_type' => BucketAllocationType::UNLIMITED,
+        ]);
+
+        // Create draws and outflows directly
+        Draw::create([
+            'bucket_id' => $bucket->id,
+            'amount' => 30000, // $300 in cents
+            'date' => now(),
+            'description' => 'Test draw',
+            'is_projected' => false,
+        ]);
+
+        Outflow::create([
+            'stream_id' => null, // We'll make this nullable for test
+            'bucket_id' => $bucket->id,
+            'amount' => 10000, // $100 in cents
+            'date' => now(),
+            'description' => 'Test outflow',
+            'is_projected' => false,
+        ]);
+
+        // Act & Assert
+        // starting_amount (0) + draws (300) - outflows (100) = 200
+        $this->assertEquals(200.00, $bucket->getCurrentBalance());
+    }
+}
diff --git a/tests/Unit/PipelineAllocationServiceTest.php b/tests/Unit/PipelineAllocationServiceTest.php
new file mode 100644
index 0000000..e3688f7
--- /dev/null
+++ b/tests/Unit/PipelineAllocationServiceTest.php
@@ -0,0 +1,345 @@
+<?php
+
+namespace Tests\Unit;
+
+use App\Enums\BucketAllocationType;
+use App\Models\Bucket;
+use App\Models\Scenario;
+use App\Services\Projection\PipelineAllocationService;
+use Illuminate\Foundation\Testing\RefreshDatabase;
+use Tests\TestCase;
+
+class PipelineAllocationServiceTest extends TestCase
+{
+    use RefreshDatabase;
+
+    private PipelineAllocationService $service;
+    private Scenario $scenario;
+
+    protected function setUp(): void
+    {
+        parent::setUp();
+        $this->service = new PipelineAllocationService();
+        $this->scenario = Scenario::factory()->create();
+    }
+
+    public function test_allocates_to_single_fixed_bucket()
+    {
+        // Arrange: Single bucket with $500 limit
+        $bucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'name' => 'Emergency Fund',
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 500.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+
+        // Act: Allocate $300
+        $draws = $this->service->allocateInflow($this->scenario, 300.00);
+
+        // Assert: All money goes to emergency fund
+        $this->assertCount(1, $draws);
+        $this->assertEquals($bucket->id, $draws[0]->bucket_id);
+        $this->assertEquals(300.00, $draws[0]->amount);
+        $this->assertEquals(1, $draws[0]->priority_order);
+    }
+
+    public function test_allocates_across_multiple_fixed_buckets_by_priority()
+    {
+        // Arrange: Three buckets with different priorities
+        $bucket1 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 200.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+        $bucket2 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 300.00,
+            'starting_amount' => 0,
+            'priority' => 2
+        ]);
+        $bucket3 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 150.00,
+            'starting_amount' => 0,
+            'priority' => 3
+        ]);
+
+        // Act: Allocate $550 (should fill bucket1 + bucket2 + partial bucket3)
+        $draws = $this->service->allocateInflow($this->scenario, 550.00);
+
+        // Assert: Allocation follows priority order
+        $this->assertCount(3, $draws);
+
+        // Bucket 1: fully filled
+        $this->assertEquals($bucket1->id, $draws[0]->bucket_id);
+        $this->assertEquals(200.00, $draws[0]->amount);
+        $this->assertEquals(1, $draws[0]->priority_order);
+
+        // Bucket 2: fully filled
+        $this->assertEquals($bucket2->id, $draws[1]->bucket_id);
+        $this->assertEquals(300.00, $draws[1]->amount);
+        $this->assertEquals(2, $draws[1]->priority_order);
+
+        // Bucket 3: partially filled
+        $this->assertEquals($bucket3->id, $draws[2]->bucket_id);
+        $this->assertEquals(50.00, $draws[2]->amount);
+        $this->assertEquals(3, $draws[2]->priority_order);
+    }
+
+    public function test_percentage_bucket_gets_percentage_of_remaining_amount()
+    {
+        // Arrange: Fixed bucket + percentage bucket
+        $fixedBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 300.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+        $percentageBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::PERCENTAGE,
+            'allocation_value' => 20.00, // 20%
+            'starting_amount' => 0,
+            'priority' => 2
+        ]);
+
+        // Act: Allocate $1000
+        $draws = $this->service->allocateInflow($this->scenario, 1000.00);
+
+        // Assert: Fixed gets $300, percentage gets 20% of remaining $700 = $140
+        $this->assertCount(2, $draws);
+        $this->assertEquals(300.00, $draws[0]->amount); // Fixed bucket
+        $this->assertEquals(140.00, $draws[1]->amount); // 20% of $700
+    }
+
+    public function test_unlimited_bucket_gets_all_remaining_amount()
+    {
+        // Arrange: Fixed + unlimited buckets
+        $fixedBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 500.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+        $unlimitedBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::UNLIMITED,
+            'allocation_value' => null,
+            'starting_amount' => 0,
+            'priority' => 2
+        ]);
+
+        // Act: Allocate $1500
+        $draws = $this->service->allocateInflow($this->scenario, 1500.00);
+
+        // Assert: Fixed gets $500, unlimited gets remaining $1000
+        $this->assertCount(2, $draws);
+        $this->assertEquals(500.00, $draws[0]->amount);
+        $this->assertEquals(1000.00, $draws[1]->amount);
+    }
+
+    public function test_skips_buckets_with_zero_allocation()
+    {
+        // Arrange: Bucket that can't accept any money
+        $fullBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 0, // No capacity
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+        $normalBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 300.00,
+            'starting_amount' => 0,
+            'priority' => 2
+        ]);
+
+        // Act: Allocate $200
+        $draws = $this->service->allocateInflow($this->scenario, 200.00);
+
+        // Assert: Only normal bucket gets allocation
+        $this->assertCount(1, $draws);
+        $this->assertEquals($normalBucket->id, $draws[0]->bucket_id);
+        $this->assertEquals(200.00, $draws[0]->amount);
+    }
+
+    public function test_handles_complex_mixed_bucket_scenario()
+    {
+        // Arrange: All bucket types in priority order
+        $fixed1 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 1000.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+        $percentage1 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::PERCENTAGE,
+            'allocation_value' => 15.00, // 15%
+            'starting_amount' => 0,
+            'priority' => 2
+        ]);
+        $fixed2 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 500.00,
+            'starting_amount' => 0,
+            'priority' => 3
+        ]);
+        $percentage2 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::PERCENTAGE,
+            'allocation_value' => 25.00, // 25%
+            'starting_amount' => 0,
+            'priority' => 4
+        ]);
+        $unlimited = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::UNLIMITED,
+            'allocation_value' => null,
+            'starting_amount' => 0,
+            'priority' => 5
+        ]);
+
+        // Act: Allocate $5000
+        $draws = $this->service->allocateInflow($this->scenario, 5000.00);
+
+        // Assert: Complex allocation logic
+        $this->assertCount(5, $draws);
+
+        // Fixed1: gets $1000 (full capacity)
+        $this->assertEquals(1000.00, $draws[0]->amount);
+
+        // Percentage1: gets 15% of remaining $4000 = $600
+        $this->assertEquals(600.00, $draws[1]->amount);
+
+        // Fixed2: gets $500 (full capacity)
+        $this->assertEquals(500.00, $draws[2]->amount);
+
+        // Remaining after fixed allocations: $5000 - $1000 - $600 - $500 = $2900
+        // Percentage2: gets 25% of remaining $2900 = $725
+        $this->assertEquals(725.00, $draws[3]->amount);
+
+        // Unlimited: gets remaining $2900 - $725 = $2175
+        $this->assertEquals(2175.00, $draws[4]->amount);
+    }
+
+    public function test_returns_empty_array_when_no_buckets()
+    {
+        // Act: Allocate to scenario with no buckets
+        $draws = $this->service->allocateInflow($this->scenario, 1000.00);
+
+        // Assert: No allocations made
+        $this->assertEmpty($draws);
+    }
+
+    public function test_returns_empty_array_when_amount_is_zero()
+    {
+        // Arrange: Create bucket
+        Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 500.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+
+        // Act: Allocate $0
+        $draws = $this->service->allocateInflow($this->scenario, 0.00);
+
+        // Assert: No allocations made
+        $this->assertEmpty($draws);
+    }
+
+    public function test_handles_negative_amount_gracefully()
+    {
+        // Arrange: Create bucket
+        Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 500.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+
+        // Act: Allocate negative amount
+        $draws = $this->service->allocateInflow($this->scenario, -100.00);
+
+        // Assert: No allocations made
+        $this->assertEmpty($draws);
+    }
+
+    public function test_respects_bucket_priority_order()
+    {
+        // Arrange: Buckets in non-sequential priority order
+        $bucket3 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 100.00,
+            'starting_amount' => 0,
+            'priority' => 10 // Higher number
+        ]);
+        $bucket1 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 200.00,
+            'starting_amount' => 0,
+            'priority' => 1 // Lower number (higher priority)
+        ]);
+        $bucket2 = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 150.00,
+            'starting_amount' => 0,
+            'priority' => 5 // Middle
+        ]);
+
+        // Act: Allocate $250
+        $draws = $this->service->allocateInflow($this->scenario, 250.00);
+
+        // Assert: Priority order respected (1, 5, 10)
+        $this->assertCount(2, $draws);
+        $this->assertEquals($bucket1->id, $draws[0]->bucket_id); // Priority 1 first
+        $this->assertEquals(200.00, $draws[0]->amount);
+        $this->assertEquals($bucket2->id, $draws[1]->bucket_id); // Priority 5 second
+        $this->assertEquals(50.00, $draws[1]->amount); // Partial fill
+    }
+
+    public function test_percentage_allocation_with_insufficient_remaining_amount()
+    {
+        // Arrange: Large fixed bucket + percentage bucket
+        $fixedBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::FIXED_LIMIT,
+            'allocation_value' => 950.00,
+            'starting_amount' => 0,
+            'priority' => 1
+        ]);
+        $percentageBucket = Bucket::factory()->create([
+            'scenario_id' => $this->scenario->id,
+            'allocation_type' => BucketAllocationType::PERCENTAGE,
+            'allocation_value' => 20.00, // 20%
+            'starting_amount' => 0,
+            'priority' => 2
+        ]);
+
+        // Act: Allocate $1000 (only $50 left after fixed)
+        $draws = $this->service->allocateInflow($this->scenario, 1000.00);
+
+        // Assert: Percentage gets 20% of remaining $50 = $10
+        $this->assertCount(2, $draws);
+        $this->assertEquals(950.00, $draws[0]->amount);
+        $this->assertEquals(10.00, $draws[1]->amount); // 20% of $50
+    }
+}