Household financial operations

Overview

Current status

You're covered.

Everything known before your next payday is accounted for.

No action required

Safe to spend

$0

Until next payday

Prototype estimate based on the cash, income, bills and reserve commitments entered here.

Next payday

$0

No income scheduled

Planning horizon —
Cash on hand $0 Across entered cash accounts
Committed before payday $0 Unpaid obligations in horizon
Reserve commitments $0 Savings and protected cash
30-day obligations $0 Known bills due in 30 days

Accounts Payable

Coming up

Incoming

Paydays

Cash Desk

No action required.

Your known obligations fit within the current plan.

✓

A 30-day view of expected cash movement based on what Cash Desk currently knows.

Opening cash $0 Current entered cash position
Incoming $0 Expected in the next 30 days
Outgoing $0 Bills and commitments
Projected ending cash $0 Before protected reserve

Lowest projected point

$0

No events in the next 30 days.

Protected reserve $0
Date Event Type Change Projected cash

Track recurring and one-time household obligations.

Bill Due Amount Owner Status

Record expected paychecks and other incoming household cash.

Source Date Amount Person Type

Protect money for savings, retirement, planned purchases, and other household priorities.

Commitment Date Amount Owner Type Status

Cash position

Household cash

Members

Household

Department policy

Money comes in. Obligations get handled. You get the rest.

Department of Cash is designed around clarity instead of traditional budgeting guilt. The goal is to know what is committed, what is covered and what remains truly available.

A simple close of the current month: what came in, what was due, what is paid, and what remains.

Income this month $0 Scheduled household income
Obligations this month $0 Known bills with due dates this month
Commitments $0 Savings, retirement and goals this month
Net after known outflow $0 Income minus bills and commitments

Household income

By person

Accounts Payable

Month-end status

Commitments

Protected this month

Department close

Month in progress.

Department of Cash is tracking the known activity for this month.

Prototype data

Browser storage

Your MVP data is stored only in this browser. No bank connections, credentials, payments or server-side financial records are used.

Backups contain the household data entered into this prototype. Store them somewhere private.

Product direction

The three questions

  1. Are we covered?Known obligations versus available cash.
  2. What can we spend?A conservative safe-to-spend number.
  3. Do I need to do anything?Attention only when the plan needs intervention.

First setup

Set up your Cash Desk

Start with the handful of numbers Department of Cash needs to answer the useful question: what is actually safe to spend?

Commitments

Add commitment

Accounts Payable

Add bill