Example dataFictional employers, amounts and transactions.

Held in {{ cashAccountsLabel }}. Dark tick = required minimum.

Funded from cash on hand · {{ com.fundedLabel }} Covered by scheduled pay · {{ com.expectedLabel }}

Projected shortfall · {{ com.shortLabel }}

Irregular payments · funded ahead

Free cash today {{ com.freeCash }} (cash minus protected money, reserved-ahead payments and card balances). Projected on {{ com.endDate }} after commitments, purpose contributions and everyday spending: {{ com.endCash }}.

{{ t.date }} · {{ t.acct }}

Split {{ t.amtLabel }} across categories. Parts must add up to the receipt.

Remembered corrections

{{ ru.from }}→ {{ ru.to }}

Income allocation · per month

Take-home income{{ rv.income }}

Commitments come out first−{{ rv.commitments }}

Remaining{{ rv.remaining }}

Protected purposes

{{ rv.shareValue }}{{ rv.shareAlt }} −{{ rv.protect }}

Everyday living{{ rv.everyday }}

Spending limits use{{ rv.paceMonthly }}

Take-home income

Commitment rules · {{ rv.commitments }} / month

Protected purposes · {{ rv.protect }} / month

Everyday living · {{ rv.everyday }} / month

Rolling limit$ / day

Over-limit decisions

None recorded.

Plan versions

Historical spending is measured against the limits that applied on each day.

Name

How often

First pay day of month Second (31 = last day)

Category Paid from

Kind

Needed by

If the share can't cover every purpose

{{ rv.edit.amountLabel }} · from line items

Starting balance Required minimum

Already reserved for the next payment

Line items

Confirm today's balances. Connected accounts fill these in automatically; adjust if a balance is stale.

Cash

Card balances owed

Name each purpose with its target, minimum and deadline. Tap to edit.

Earmark cash you already have. This records where money is spoken for — nothing moves between banks, and it is not income or a transfer.

Cash minus card balances{{ setup.cash }} − {{ setup.owed }}

Reserved ahead for irregular bills−{{ setup.reservedAhead }}

Assigned to purposes−{{ setup.assigned }}

Left as free cash{{ setup.free }}

of {{ r.target }} · {{ r.state }}

Unallocated buffer to start

Part of free cash — cannot exceed it. Absorbs small over-limit spending before a decision is needed.

You have assigned more than you hold. Reduce a starting balance or add an account.

Estimates, not verified: {{ fu.unverified }}

Some scenarios draw on 401(k)/IRA money before age 59½ — that needs a plan (Roth basis, 72(t), or taxable first).

Projected investments · today’s dollars

CentralLowerHigherEarly decline

Illustrations of four return paths — not probabilities of success.

Fundable through the projection?

PreferredAcceptable

Connect to the operating plan

{{ fs.reviewedLabel }} · assumptions {{ fu.versionLabel }}. Nothing changes until you save the review.

Retirement investments only. Protected cash, home equity, college accounts and unreceived inheritances stay out. Payroll contributions are tracked here and never deducted from take-home again.

Balance Excluded You / yr Employer / yr

Included balance{{ fs.balance }}

Tax-deferred / Roth / HSA / taxable{{ fu.mix }}

Annual contributions incl. employer{{ fs.contrib }}

Planned in commitments (incl. payroll){{ fu.plannedYr }}

Work-end ages are scenarios, not deadlines. Enter pensions and Social Security from statements; leave unknowns blank rather than guessing.

Age Stops work at Project to age

Social Security

$ / month (today’s $) Claim at age

Pension

$ / month Starts at age Survivor %

Economy · real terms

Returns are after inflation; fees are subtracted. Withdrawal tax applies to tax-deferred balances only. HSA money only covers the qualified-medical share of spending.

Current recurring lifestyle from the plan{{ fu.currentSpend }} / yr

Commitments (not investing) + everyday limits + continuing purposes such as trips and gifts. One-time purchases are excluded.

Preferred lifestyle / yr Acceptable lower / yr

"Acceptable" never assumes selling the home or means-tested help. Social Security stays included.

Adjustments over time · $ / yr

Change one thing; see the effect on future security and on this month’s cash flow. Unconfirmed money stays out of the baseline.

BaselineWith changes

{{ a.inst }} · synced {{ a.synced }}

Cash

Protected

Free cash

Saved on this device and restored when you reopen the app. Syncing the same plan across devices needs an account — not part of this prototype.

Timing. {{ detail.timing }}

Over limit · decision needed