What it looks like

Most pages are shown in the dark theme; the two Graph shots are in the light one, because one button switches the whole application between them, sign-in screen included.

Every screenshot shows the same sample budget, signed in as the demonstration account "john doe". The bills, balances and card figures are invented examples chosen to exercise the app's warnings; none of it is a real person's finances.

The month you are in

Bills and income as two plain tables. Each bill carries its amount, category, what pays it and the day it falls, with Active, Skip and Paid as columns rather than buried in a dialog. Nothing here is a ledger of what already happened; it is the month as it currently stands.

The Monthly Budget view of the john doe sample budget: a Bills table listing nine bills with amount, category, payment method and due day beside Active, Skip and Paid checkboxes, an Income table below with a single salary and the projected end-of-month figure top right.
Monthly Budget. The month shown is ahead of today, so the figure top right is its projected end; in the month you are living, it is the balance itself, which maintains itself as dated items fall due and tick themselves off. The sample month carries £2,400 of income against £2,852 of bills, which is what arms the warnings on the pages that follow.

Whether it holds

The bank page answers one question from money you have actually entered. It states the account position, then walks the next two months day by day. Every month opens by saying how much it goes overdrawn by and on which day (or that it never goes overdrawn); then comes its verdict: a month that holds names the clearance it keeps at its lowest; a month that does not names the money it needs and the day that sum has to beat. Nothing here is merely flagged.

The Solvency view's bank page for the sample budget: a green Safe banner giving the balance remaining after all of September's bills; an Overall Health breakdown listing what is committed, what is set aside and what is still due from the bank and from the cards; the month's own day-by-day reading with its low point and what it would need to hold flat; then a Next Two Months As Entered block where October and November each read Stays afloat with the clearance they keep at their lowest, above a line giving where the month opens, where it dips and where it closes.
Solvency, bank page. The sample month clears its bills, so the banner is green; the figures beneath still price it honestly, naming what it sets aside and the £523.34 it would need to stop running at a loss. Each forecast month leads with its verdict and carries the shape behind it underneath, so the clearance quoted can be checked by eye against the low it was read off. A month that could not hold would name the money it needs and the day that money has to beat.

What you can actually spend

One number, with the promise behind it spelled out: how far it holds and the day that limits it. A month that cannot be rescued by spending nothing does not silence the figure, because that would be answering a different question; it gets its own line, in red, saying so plainly.

The Solvency view's Safe to Spend page for the sample budget: a large amber headline giving the amount safe to spend today, a muted line naming how far that holds above the buffer and what is set aside, plus the day constraining it, a red line naming a later month that is short whatever you do and a final line stating there is nothing to assume because every month ahead already carries this month's income.
Solvency, Safe to Spend page. The promise now names everything the figure clears: the buffer on every day and what the Reserves page is holding back, £151.63 of it by the day that constrains the figure. Two colours because they are two kinds of statement: the muted line is a caution about a figure you can still act on, the red one reports a gap no restraint closes.

Cards, priced forward

One panel per card carries its limit, what is used, the headroom left and the interest it is accruing. Beneath it, the projection runs each card forward and colours every month by the headroom it leaves rather than by the balance alone.

The Credit Cards view for the sample budget: a card panel showing limit, used, available, utilisation, due day and interest rate, this month's charges, a received payment and the interest accrued, with a green OK badge, above a six-month balance projection whose first row is red and whose later rows turn green as the balance falls to zero.
Credit Cards. The sample card opened the window nearly maxed, which is the red first row of the strip; a payment has since landed, its badge reads OK and the projection runs the balance down to zero. The recovery is visible months before it happens, priced by the same simulation as everything else.

Money already spoken for

The Reserves view holds money back for bills that have not arrived yet. Each commitment accrues across the months before it lands, the table shows what is held and what is still to find and the block beneath reads every month the same way the bank page does, less what it is holding back. Nothing is moved anywhere; only what counts as spendable changes.

The Reserves view for the sample budget: an emergency buffer row, a line reading £49.18 set aside across one commitment, a table with a Christmas commitment of £250 due in December repeating annually with £62.50 a month, £49.18 held and £200.82 still to find, then a Where That Leaves Each Month block with two months clear and two short in red, plus an Everyday Spending section reading Not Set.
Reserves. The sample budget is putting £62.50 a month toward a £250 Christmas, £49.18 of it held so far; the months block prices where each month lands once its reserve is off its low, two of them short in red. Everyday spending is honestly Not Set rather than assumed to be zero.

The month as a picture

Every day of the month as its own bar, with a curve following the real values rather than smoothing across them. The bars carry the verdict a single line cannot: the calm resting colour on a day the account is at or above zero, amber inside an overdraft you arranged and red only where a payment would actually bounce.

The Graph view in the light theme plotting the sample budget's bank balance by day: purple bars falling as early bills land, jumping on the mid-month salary, with a curve following the real values and the reserve floor drawn as a dashed line low across the month.
The Graph view reading the bank balance day by day, here in the light theme, a page of its own stepped by the same Previous and Next as every other view. The dashed line low across the month is the reserve floor: money already spoken for, so a day in credit that falls below it is dimmed rather than counted as free.

The same month as a line

The same page, with the pilot button swapped from bars to a line. The line joins every day's real value and marks the days where direction changes, so the month's shape reads at a glance; a switch beside it plots every credit card on one chart instead of the bank.

The Graph view in the light theme rendering the same October as a single line: falling through the early bills, a dot marking the low on day 14, a sharp rise on the mid-month salary and the reserve floor still drawn as a dashed line beneath it.
The line rendering of the same month. A dot marks the day the month turns, day 14 here, which is also the day the Safe to Spend figure names as its constraint: one simulation behind every page. The reserve floor stays drawn, whichever rendering is showing.

What would fix it

The Recommendations view says what would make the months ahead survivable, every figure a re-run of the same day-by-day projection the bank page uses. A difficult budget gets its bills retimed and whatever shortfall survives priced month by month; a healthy one is told so plainly and offered the few retimings that buy slack it does not strictly need.

The Recommendations view for the sample budget: an emergency buffer row at the top, an anchor line naming the months measured, a suggestion to move the Mortgage from day 1 to day 16 ticked with its preview panel open listing each month's lifted low and the extra income needed falling to nothing, then each month's low and close and a More Headroom section beneath.
Recommendations. The sample budget's months ahead cannot hold as entered, so the page proposes the one move that fixes them: paying the mortgage after payday instead of before it. The ticked preview shows every month's low lifted and the extra income needed falling to nothing, while applying nothing anywhere. You make the change in the real world first, then in its own dialog and the page recomputes.
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