How much can I spend today?
Before coffee, one number: what Alex can spend today without dropping below zero at any point in the next twelve months, counting only the income that is certain.
Next to it, the whole month as a map of lines. Subscribers, Upwork and affiliates run into the accounts, and one line leaves for each kind of spending. A solid line is money you can count on; half-dashed counts half.
How it’s worked out
- Lowest point in the next 12 months, end of December
- 13,589 €
- Locked goals (visa and move)
- −1,200 €
- Emergency fund
- −11,467 €
- You can spend today
- 921 €
Only certain income counts in full: income marked half-certain counts half, uncertain income isn’t counted. Expenses are the ones in the plan, month by month. It’s an estimate, not a guarantee: it moves when income, expenses or reserves change.









