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Available
income + inflows + rollover
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Total expenses
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Leftover to savings
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Savings target
Needs Wants Assigned to savings Unassigned (engine suggests → savings)

The Plan · computed on your device

deterministic · integer minor units
LineAmount (minor units)

Warnings · locked heuristics

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Warnings

    Suggestions

      Advice · 3–5 lines, cites the Plan

      template-local no advice yet
      validatorno output validated yet
      Prompt and model version logged with every output.

      Computed on your device by a deterministic template — the same figures the Plan shows, verbalized and validated before render. Local math never asks for arithmetic from elsewhere, and this page has no cloud path: nothing you enter leaves your machine.

      Adjust the split · savings-first

      20%
      50%
      30%

      Allocation order: the savings target is carved from available first; Needs are capped next; Wants take the remainder. The Plan recomputes instantly on your device.

      Close the loop

      Start next month with the rollover

      Next Savings Rollover prefills with this leftover — —. Savings compound across months.

      Start next month with rollover

      Figures come from deterministic computation over the amounts you entered — nothing here is bank-verified. Educational only; not financial, tax, or legal advice. Full disclaimer

      Past months