CASHFLOW PROJECTION, HOW TO READ

Three deterministic month by month paths. No randomness, pure arithmetic.

• A · BASELINE (grey thin): income minus recurring expenses (loan, storage, insurance, active subscriptions, living allowance). No one-offs. The "do nothing different" reference line.
• B · PLANNED (amber thick): same as A, minus the scheduled one-offs and plus any receivables, in the month they land. This is the real plan.
• C · STRESS (red dashed): same as B plus an extra surprise expense every month. Deterministic worst case.
• FLOOR: red dashed horizontal line and shaded zone. Below this is alarm territory.

Drivers, in order of impact:

• Recurring expenses: computed live from the fixed costs and the active subscriptions on the Subscriptions tab
• One-offs and receivables: edit them in the panel to the right
• Starting balance: pulled live from the account registry, either all liquid cash or the USD account alone
• Income: about $14,000 a month, adjustable in Forecast Inputs below

If a vertical red ▼ marker appears, that is the first month the planned path dips below the floor.

ONE-OFFS AND RECEIVABLES, INTERACTIVE

Scheduled non-recurring spend, plus any one-off money coming in. Edit live; the chart re-renders after a short debounce.

• Item: click the text to rename
• USD: positive = money out (a purchase), negative = money in (a receivable, shown green). Non-numeric values turn red and will not propagate
• Month: dropdown maps to the forecast horizon
• ×: delete row
• + ADD ONE-OFF: appends a new editable row

Receivables are modelled here rather than as an account, so they hit the projection in the month the cash is expected without inflating today's net worth.

This is a demo: edits live in this session and reset on reload. Try "what if the laptop waits until March?" or "what if the tax bill doubles?"