HOUSEHOLD MONEY, ONE DAY AT A TIME
Every dollar has a location, a purpose, and a future.
Fictional household snapshot: 2026-11-02. Period boundaries and seasonal amounts are explicitly supplied; future income and missing bills are not invented.
Posted purchases replace their period’s planned amounts. An open allowance stays protected until explicitly closed. Receiving a bill changes the plan; it does not clear cash.
Eligible accounts: demo-checking. Original estimate: $80.00. Current budget: $80.00.
Net recognized spending: $30.00 · Gross purchases: $30.00 · Posted refunds: $0.00 · Remaining plan: $50.00 · Total expected: $80.00.
Over budget: $0.00 · Released underspend after closure: $0.00.
Eligible accounts: demo-checking. Original estimate: $200.00. Current budget: $200.00.
Net recognized spending: $173.00 · Gross purchases: $173.00 · Posted refunds: $0.00 · Remaining plan: $27.00 · Total expected: $200.00.
Over budget: $0.00 · Released underspend after closure: $0.00.
Eligible accounts: demo-checking. Original estimate: $185.00. Current budget: $185.00.
Net recognized spending: $0.00 · Gross purchases: $0.00 · Posted refunds: $0.00 · Remaining plan: $201.00 · Total expected: $201.00.
Over budget: $0.00 · Released underspend after closure: $0.00.
Original bill: $201.00 · Paid to date: $0.00 · Remaining: $201.00 · Known fees: $0.00. Bill: known-unpaid · Due 2026-12-10. Known amount $201.00 replaces this period’s estimate (variance $16.00).
Eligible accounts: demo-checking. Original estimate: $60.00. Current budget: $60.00.
Net recognized spending: $0.00 · Gross purchases: $0.00 · Posted refunds: $0.00 · Remaining plan: $60.00 · Total expected: $60.00.
Over budget: $0.00 · Released underspend after closure: $0.00.
Original bill: $60.00 · Paid to date: $0.00 · Remaining: $60.00 · Known fees: $0.00. Bill: estimated · Due 2026-12-15. User-supplied estimate; no definite bill yet.
Eligible accounts: demo-checking. Original estimate: $240.00. Current budget: $240.00.
Net recognized spending: $0.00 · Gross purchases: $0.00 · Posted refunds: $0.00 · Remaining plan: $240.00 · Total expected: $240.00.
Over budget: $0.00 · Released underspend after closure: $0.00.
Original bill: $240.00 · Paid to date: $0.00 · Remaining: $240.00 · Known fees: $0.00. Bill: estimated · Due 2027-01-10. User-supplied estimate; no definite bill yet.
Eligible accounts: demo-checking. Original estimate: $125.00. Current budget: $125.00.
Net recognized spending: $0.00 · Gross purchases: $0.00 · Posted refunds: $0.00 · Remaining plan: $125.00 · Total expected: $125.00.
Over budget: $0.00 · Released underspend after closure: $0.00.
Original bill: $125.00 · Paid to date: $0.00 · Remaining: $125.00 · Known fees: $0.00. Bill: estimated · Due 2027-07-10. User-supplied estimate; no definite bill yet.
CONSERVATIVE SAFE TO SPEND TODAY
$594.00Reflects known dated obligations, protected envelopes, account shortages and possible intraday insufficiency over 365 days. Includes remaining variable allowances and unpaid utility obligations. Missing obligations can change this forecast.
Today’s unallocated cash
Current start-of-day cash minus protected allocations. May include money needed for future bills.
Accessible cash before reservations
Accessible accounts only. This is not Safe to Spend and does not mean every account can fund a purchase.
Total cash
Protected envelopes
Alternatives only. No suggestion moves cash or removes the paying-account shortage. Review one proposal at a time and rerun the forecast after entering an approved transfer.
No safely funded transfer source found.
No transfer reviews.
Reliable settlement timestamps determine order. Missing or tied timestamps use a debit-first stress forecast; deposits are not assumed to clear first.
2026-11-01: Timing uncertain for demo-checking (gas-receipt, grocery-receipt). Possible intraday shortage: $0.00.
2026-11-02: Timing uncertain for demo-checking (ft006:plan:gas-week, ft006:plan:grocery-week). Possible intraday shortage: $0.00.
These alternatives do not change balances or allocations. Review before the original purchase, enter separately approved changes, then rerun the forecast.
2026-11-01: grocery-receipt expense $173.00; reservation used $173.00; remaining $27.00. Envelope overspending: $0.00. Local backing mismatch: $0.00. Paying-account shortage: $0.00.
Today plus the next 364 days. Planning balances include expected variable spending; posted ledger cash is shown separately. These are fictional projections, not bank settlement promises.