Estimate monthly-to-annual fixed expense items. Add, edit, or delete freely — all changes auto-save.
Annual Total$0.00
Monthly Average
$0.00
Category Summary Report (auto-generated, same categories auto-merged)
No data yet
Category
Item
Monthly/One-time ($)
Frequency
Annual Total ($)
Notes/Ref
Due Date
Annual Total:
$0.00
No estimate items yet
Annual Insurance Premium Detail Table
One block per policy: set a "Start Year → End Year" range and the annual premium for that period. If the premium changes partway through, click "Add Payment Range" to add another year range at a different amount. The summary above auto-expands each year and totals by year; once a given year is paid, click the × next to it to remove it from that year's summary (other years are unaffected) — click "Restore" afterward to bring it back.
Summary by Year (auto-calculated, policies in the same year are merged)
No data yet
No policy records yet
Income Forecast
Build one or more what-if income scenarios. Each scenario totals two kinds of income: "Income-Generating Accounts" (a principal amount that earns an annual return %) and "Rental / Fixed Monthly Income" (a flat monthly amount). Everything here is typed in directly — it isn't pulled from the tables above.
No forecast scenarios yet
Multi-Year Planner
Set up accounts, optional staged allocation rules, an income timeline and an expense budget, then run a year-by-year cashflow projection. Everything here is typed in directly — it isn't pulled from the tables above. Multiple plans are supported (e.g. one per household member, or separate what-if setups).
Accounts
Account Name
Initial Amount ($)
Return Rate (%/yr)
No accounts yet
Staged Allocation Rules
Optional. For a given year range, controls what share of that year's surplus flows into each account (Allocation %), and — if there's a deficit instead — which account is drawn down first (lowest Priority number first). An account with no matching rule for a year gets no explicit share/priority that year.
Start Year
End Year
Account
Priority
Allocation %
No staged rules yet
Income Timeline
One block per income item. Add one or more "Start Year → End Year" ranges with an amount per year — use several ranges on the same item if the amount changes partway through (e.g. a raise, or income that stops).
No income items yet
Expense Budget
Same idea as the Income Timeline above, but for planned expenses.
No expense items yet
Run a forecast above to see year-by-year results
"Freeze" the currently-generated forecast into a named baseline column, then log real end-of-year totals in "Actual" as time passes to see how reality tracked against the plan.
Generate a forecast on the Forecast sub-tab first
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Encryption
Encrypt your fixed expense items and insurance policy data at rest using AES-GCM. Your passcode is never stored anywhere — it only exists in this browser tab's memory while unlocked.
If you forget it, there is no recovery — your data becomes permanently unreadable.
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