Personal · 3 scenarios · 1 living plan · from today's balances
Scenarios & plans
Try a choice before committing to it, compare outcomes, and approve a plan. Approving never moves money.
Scenarios · 3
- Claire's invoice 2 weeks lateno shortfallshared · Clairev1 by James · −$1,800.00 at 30 Nov versus baseline
- Pay the card $400 a monthno shortfallprivatev1 by James · −$2,000.00 at 31 Mar versus baseline
- Car repair $1,800 next weekno shortfallprivatev1 by James · −$1,800.00 at 30 Apr versus baseline
Scenarios sit on top of today's balances. They never change your accounts or budget until approved, and approving never moves money.
versus baseline · 6 Nov to 30 Nov 2026
Claire's invoice 2 weeks late
First shortNonebaseline: none
At 30 Nov$14,442.96baseline $16,242.96
Difference−$1,800.00scenario minus baseline, from the engine
RunwayBeyond horizonwith no income at all
BaselineThis scenarioDashed lines are projections · estimates
| Date | Baseline | This scenario |
|---|---|---|
| Fri 6 Nov | $10,910.54 | $10,910.54 |
| Sat 7 Nov | $10,822.09 | $10,822.09 |
| Sun 8 Nov | $10,321.64 | $10,321.64 |
| Mon 9 Nov | $10,091.20 | $10,091.20 |
| Tue 10 Nov | $9,964.26 | $9,964.26 |
| Wed 11 Nov | $9,875.82 | $9,875.82 |
| Thu 12 Nov | $9,708.38 | $9,708.38 |
| Fri 13 Nov | $12,069.94 | $12,069.94 |
| Sat 14 Nov | $11,981.50 | $11,981.50 |
| Sun 15 Nov | $11,893.06 | $11,893.06 |
| Mon 16 Nov | $13,304.62 | $13,304.62 |
| Tue 17 Nov | $13,216.18 | $13,216.18 |
| Wed 18 Nov | $13,127.74 | $13,127.74 |
| Thu 19 Nov | $13,039.30 | $13,039.30 |
| Fri 20 Nov | $14,750.86 | $12,950.86 |
| Sat 21 Nov | $14,662.42 | $12,862.42 |
| Sun 22 Nov | $14,538.98 | $12,738.98 |
| Mon 23 Nov | $14,450.54 | $12,650.54 |
| Tue 24 Nov | $14,323.60 | $12,523.60 |
| Wed 25 Nov | $14,235.16 | $12,435.16 |
| Thu 26 Nov | $14,146.72 | $12,346.72 |
| Fri 27 Nov | $16,508.28 | $14,708.28 |
| Sat 28 Nov | $16,419.84 | $14,619.84 |
| Sun 29 Nov | $16,331.40 | $14,531.40 |
| Mon 30 Nov | $16,242.96 | $14,442.96 |
Not modeled: inflation, interest on cash, investment returns, taxes. Result 7a0bbc99d0.
What changes
- Income arrives later · Claire's invoice · 14 days later · from Fri 20 Nov · once
Compare side by side
| Scenario | First short | At horizon end | Versus baseline | Runway |
|---|---|---|---|---|
| Claire's invoice 2 weeks late | none | $14,442.96 | −$1,800.00 | beyond |
| Pay the card $400 a month | none | $13,491.11 | −$2,000.00 | 59 days |
| Car repair $1,800 next week | none | $15,984.88 | −$1,800.00 | 56 days |
Living plan · Card payoff
v1 superseded Sat 19 Sept, 9:00 PM · v2 approved Sat 3 Oct, 9:00 PM (Raised the monthly payment to $300 after the September statement)
| Action | Due | Amount | State |
|---|---|---|---|
| Assign $750 a month to Debt & Financial Obligations | Mon 5 Oct | $750.00 | done · corroborated |
| Move subscriptions off the card | Sat 10 Oct | — | done · user reported |
| Pay $300 to the card | Thu 22 Oct | $300.00 | done · corroborated |
| Pay $300 to the card | Sun 22 Nov | $300.00 | ready · on track |
| Pay $300 to the card | Tue 22 Dec | $300.00 | proposed · on track |
Card balance at $0 by 31 Mar 2027: at risk on payments already on record ($1,225.06 left); on track while each planned payment happens.
Approving a plan never moves money: James makes each payment, and the plan tracks it when the bank shows it.