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Disclaimer
Not an adviser
This planner provides educational information only. It is not financial, tax, or legal advice, and it creates no adviser–client relationship. It is not a registered investment adviser, broker-dealer, or fiduciary.
Computed, not verified
Figures shown come from deterministic computation over the amounts you entered manually; nothing here is bank-verified. Warning thresholds (rent 30% / severe 50%, housing 28%, debt 36%, savings floor 20%, emergency cover 3 months) are heuristics for attention, not verdicts.
Non-discretionary — it never moves money
This planner suggests; it never acts. It cannot pay bills, transfer funds, or move money of any kind. There are no autonomous payments and no automatic transfers. This planner suggests; it never moves money (non-discretionary). Consult a qualified professional before acting.
How Advice is produced
The engine computes the Plan first on your device; a deterministic template only verbalizes the numbers it is given, and output is validated before render. Everything runs on your device — no figures leave your machine. Prompt template, model, and engine versions are recorded with every output.