Where it goes
All of it →
Snapshot
The whole picture on one screen
You cannot change what you cannot see. This is all of it, in one place.
The next three cheques
Cheque by cheque →What each one has to do before any of it is yours
What you owe, coming down
The payoff →
How far along
The cushion →Each one unlocks the next
Coming up
Right now →
What you can actually change
The breakdown →The same money, sorted by whether you have a choice about it
Today
What is in your hands today, and what is coming before the next money lands
What is in your hands right now is yours. Everything else has a date, and the date is not today.
Yours to spend right now
$
Yours to spend
Coming up before then
Worth keeping in mind
The shape of the month, so nothing catches you out
Spending
What the plan says, what actually happened, and the gap between them
Nothing here is a judgement. It is only a sort, so that the sizes are honest.
Where it all goes
a month
What you can actually change
The same money, sorted by whether you have a choice about it
Where the movable money sits
Locked is this year’s reality — rent, the car, insurance, the lights. Temporary removes itself in February. The rest is yours, and it is bigger than it feels.
The parent’s benefit, and yours
Drag to set how much of the shared home their money covers
What you actually spent
When the month actually hurts
Every bill as a list
Every month
Carrying, on purpose
Utility balances you keep fluid when the month is tight
Every line here is a maybe, and that is the point. These are the two bills you can move when something else has to come first — which is a tool, not a failure. Nothing on this card is counted as a fixed expense anywhere else on the dashboard.
Every line, by category
What each slice of the doughnut is actually made of
Can I afford it?
Ask before you buy — the answer comes from your own numbers, on this device
A yes you can trust is worth more than a yes you have to worry about.
$
The working
What would make it a yes
Each of these is a real lever, not a suggestion to spend less
Cushion
The money that stops a bad week becoming a bad year
A cushion is not savings. It is the thing that stops a bad week becoming a bad year.
Next fill
$
$
What it is standing between you and
Certain to happen, never on a schedule
How it fills
Every cheque puts a little in, until it is full
Where the target comes from
What it is worth
The same $600 a month at your cards, with and without a cushion
Where these numbers come from
Both columns pay exactly the same amount when they pay. The only difference is that one of them misses a month in three, because a dentist bill or a set of tires arrives and there is nothing else to pay it from. Interest does not pause while you catch up, so the missed month costs far more than the bill did.
Paycheck
Cheque by cheque, from today to the day you are free
Every cheque already has a job. Giving it one on purpose is the whole difference.
Your next paycheck, line by line
What it covers, what goes to debt, what stays with you
The fixed expenses in full
What it coversDueAmount
Set aside
What to do with what is left
The paychecks after that
Money coming in, and what each one has to carry
Every cheque, line by line
The next six, and exactly what each one is carrying
See it as a table
Debt
One number decides when this ends — what actually goes at the cards, month after month
Steady beats big. The month you do not miss is worth more than the month you push.
What you put at the cards
The one number that decides when this ends
STILL OWED
$
Where this is going
Every balance, coming down
Watch it shrink
What you owe, month by month, starting from today
What you owe
See it as a table
Every month, until it is gone
What each payment actually buys you — principal against interest