Input your Gross Monthly Salary (pre-tax). The system automatically tracks the "Net Remaining Balance" as you add deductions. Ensure you use the Currency Selector to match your primary bank account currency for accurate base tracking.

Categorize items like "Statutory" (Tax, NIS, Health Surcharge) vs "Fixed" (Rent, Car Note). This categorization allows the engine to distinguish between mandatory liabilities and discretionary spending in your financial reports.

If you earn in one currency but spend in another (e.g., earning GBP but paying bills in TTD), the Global Transfer Mode is essential. It applies the Exchange Rate (Live or Manual) to your remaining base balance to calculate exactly how much local currency you have available for secondary expenditures.

Use the Recurring switch for items that happen every month. When you move to a new month, the engine will "Carry Over" these items, saving you from manual entry. Combined with the Status (Paid) column, you can track which bills are finalized vs pending for the current cycle.

A classic starting point for balanced living. Allocate your Net Income (after deductions) as follows:

• 50% Needs: Housing, utilities, groceries, and mandatory minimum debt.
• 30% Wants: Experiences, hobbies, and lifestyle choices.
• 20% Financial: Investments, emergency funds, and aggressive debt payoff.

Give every cent a job. If your 'Net Remaining' at the end of the month is positive, don't let it sit idle. Map it to an 'Opportunity Fund' or 'Investment' category so your budget balance always hits zero by the end of the planning phase.

The Progress Bars in the Budget Planner are your "Heat Map".

For non-monthly costs (Car Insurance, Holidays), create a 'Sinking Fund' category. Divide the annual cost by 12 and 'Budget' that amount monthly. When the big bill arrives, you already have the 'Actual' cash waiting.

Don't just set numbers. Use 'Manage Categories' to sync your Deductions to your Budget. This allows the engine to pull Live Data from your payroll/spending, giving you an honest look at your habits vs. your intentions.

To initialize forecasting, you must enter your Starting Balance. This should be the total liquid cash across your accounts on Jan 1st (or your starting date). This "Anchor Point" allows the engine to calculate your real-world solvency throughout the year.

The system calculates your Average Burn Rate—the mean value of your monthly deductions. By comparing your current Liquid Cash against this burn rate, the engine provides a Cash Runway (in days). If the runway shows "RED," you are depleting cash faster than you are earning it.

The Scenario Modeler is a non-destructive simulation tool. By adjusting the sliders, you can see how a 10% income drop or a $500 monthly cost spike impacts your Year-End Forecast. Use this during economic volatility to determine if your buffer is sufficient for emergencies.

The main chart displays your Projected Closing Balance for every month of the year. A "Downward Slope" indicates a negative net-worth trend. Use the predictive insights panel to find specific suggestions on which months require spending cuts to stabilize the curve.