Cash flow
Year running Aug 22 to Aug 22, day 49 of 365. At the last review every dollar of the year's income was assigned and checking reset to its $25,000 target, enough to run the household with a buffer and never go below zero. So where checking lands at the next review is an exact measure of how far the year departed from the plan.
projected shortfall at the review: checking ends below its target
At the dial's setting (+8.0% from today), checking ends at $8,320 against its $25,000 target. "Land on target" below sets the dial to what it takes.
Lowest point ahead: $5,740 on Jan 21. The buffer holds.
What will it take?
Spending so far is fact: $2,217 over the plan since Aug 22 (+8.0%). Set how you'll spend from today to the Aug 22 review, and see what it takes to land on target.
Sample data: the engine has answered for these three settings. Any setting in between works once the engine is connected.
Where it comes from, category by category
The extra room goes first to what you both can't live without.
| Category | Planned, a month | At this setting | Change |
|---|---|---|---|
| Kids and family supportkeep | $2,500 | $2,780 | +$280 |
| Groceriesyou both can't live without it | $1,500 | $1,720 | +$220 |
| Gifts and givingkeep | $1,000 | $1,110 | +$110 |
| Home upkeep and furnishingskeep | $1,000 | $1,110 | +$110 |
| Cars and transportkeep | $900 | $1,000 | +$100 |
| Utilities and phoneyou both can't live without it | $600 | $690 | +$90 |
| Dining outone of you only wants it | $1,200 | $1,290 | +$90 |
| Everything elsekeep | $550 | $610 | +$60 |
| Weekend tripskeep | $500 | $560 | +$60 |
| Golf and hobbiesyou value it differently | $650 | $700 | +$50 |
| Entertainment and eventsone of you only wants it | $600 | $640 | +$40 |
| Petsyou both can't live without it | $300 | $340 | +$40 |
| Personal care and fitnesskeep | $400 | $440 | +$40 |
| Clothingone of you only wants it | $500 | $540 | +$40 |
| Online shoppingyou both don't care | $1,200 | $1,220 | +$20 |
| Home services (cleaning, lawn)you both don't care | $800 | $810 | +$10 |
| Subscriptions and streamingyou both don't care | $200 | $200 | — |
Known items in the next 12 months
Goals and bills with dollars assigned don't move the result; estimates and emergencies the plan didn't include do. Counting one re-projects the year, which needs the engine; until it is connected the boxes are shown but cannot be ticked.
| Known item | Date | Amount | In the plan? |
|---|---|---|---|
| Roof repair estimate | Oct 27, 2026 | $9,000 | No, tick to count it |
| Property tax | Oct 31, 2026 | $4,800 | Yes, dollars assigned |
| Holiday travel goal | Nov 10, 2026 | $6,000 | Yes, dollars assigned |
| Auto insurance premium | Dec 30, 2026 | $2,400 | Yes, dollars assigned |
| Spring tuition goal | Jan 19, 2027 | $14,000 | Yes, dollars assigned |
| Property tax, second half | Apr 29, 2027 | $4,800 | Yes, dollars assigned |
| Summer travel goal | Jun 18, 2027 | $7,500 | Yes, dollars assigned |
| Car replacement, not yet saved for | Jul 18, 2027 | $18,000 | No, tick to count it |
Reviews with your fiduciary every year.
DDE 0.1.0 · computed 2026-10-11T05:00:00ZSample data: the mockup's illustrative household, not engine output and not a real household. The balance lines are traced from the mockup's chart to within about $10.