- Stacking a pay
- The bills actually due before your next pay stay in the account. Quarterly and yearly bills are saved up a little each pay instead. Then the repayments due before your next pay come out, then a share for planned buys. The rest is split by your percentages. Extra debt goes to the debt you picked to clear first, then overdrawn accounts, then whatever charges the most interest, then interest-free debts whose free period ends soonest.
- Countdown
- Works only from the pays you've entered: one pay, then the average of two, three and so on (up to the last 26). It averages what came in and what you spent across them. The pay you're in counts as its card budget until you spend more than that. Bills come from your bills list, so a yearly rego payment doesn't spike it.
- Each month in the projection
- Average pay minus bills, minimums, spending and any planned buys still to come goes to work in your split's proportions, rolling over as goals finish. If that's negative, the gap is added to what you owe and the countdown says Never. Interest is rate ÷ 12, except on interest-free debts until their end date. Investments grow at return ÷ 12. Today's dollars, super not counted.
- FI number
- (Bills + spending) × 12 ÷ withdrawal rate. 4% means × 25. Minimum repayments aren't counted because they end.
- Days on each entry
- The countdown worked out with that entry and without it. Spending inside a pay's card budget is already counted, so it barely moves it. Spending past it does. With only a few pays entered, each one carries a lot of weight, because the projection assumes every pay goes like them.
- Balances
- Savings and investments are the balance you set plus everything recorded since. Debts are the balance you entered minus payments recorded after it. Interest and growth aren't tracked between corrections, so correct them from your bank now and then.
- Statements
- PDF or CSV, read on this device. In a PDF, money in and out is told apart by the Debit and Credit columns, and checked against the running balance. Rows from earlier imports are left out. Rows matching something you already recorded by hand (same amount within 3 days) are marked and skipped.
- Stages
- 1: overdrawn accounts back to $0. 2: $1,000 saved. 3: debts at 7% or more cleared. 4: emergency fund full. 5: investing.
- Suggested split
- Spending stays at your setting (30% if blank). The rest goes by stage. Investing always keeps a slice: through stages 1 to 3 it gets 5%, taken from Spending, so debt and savings aren't touched. Investing also always beats savings: whenever both are in the split, investing takes two-thirds of their combined share and savings one-third.