Step 1 — Money in

What do you expect to receive?

One currency per month; no conversion, ever.
₦
Salary or the inflow you can count on. Irregular earner? Use your conservative baseline.
₦
Side work, gifts, one-off receipts — all money in counts.
₦
Leftover carried forward. Amounts are whole units; math is exact minor units underneath.
₦
0 = no explicit goal; the split still applies.
₦
Judged in months of essentials — aim ≥ 3.
Saved on your device as integer minor units — exact arithmetic, no rounding.

Computes now

—
Available for the month
income + inflows + rollover

Computed live on your device; stored only when you continue.

Irregular earner?

Use your Conservative Income as the Recurring Income — the lowest month you reliably expect — so a low month never over-commits the Plan.