Family Finance Operating System

Cash-flow planner

Track income, fund obligations, carry arrears, and move only genuine business surplus into the household.

Cash received$0.00
Cash available$0.00
Mandatory due$0.00
Arrears$0.00
Goal shortfalls$0.00
Household transfers$0.00

Source balances

Available cash by source

Funding waterfall

Highest-priority outstanding items

Monthly requirement levels

Three different numbers—not one misleading target
Red-line survival$0.00Immediate damage if unpaid
Operating stability$0.00Survival plus necessary operations
Full plan$0.00Includes provisions, reserves and giving

Record cash received

Revenue stays with its source until obligations are funded.

Select funding source

Payments deduct from actual source cash.
Available: $0.00

Allocation summary

Review before confirming.
Selected total$0.00
Balance after payment$0.00

Outstanding obligations

Arrears appear before current-month items.
SelectPriorityItemOwnerOriginal monthStatusOutstandingPay now

Transfer surplus to household

Use only after business obligations are reviewed.

Add tailoring job

Revenue minus direct material, labour and job costs equals gross contribution.

Tailoring job register

Track profitability and customer balances separately from overhead.
DateCustomerProductPriceDirect costGross profitReceivedCustomer balanceStatus

Add obligation

Define whether unpaid amounts become arrears, expire, or remain goal shortfalls.

Monthly close

Create next month and classify unpaid items.

The app automatically generates the next month’s obligations when you change the working month. Unpaid items follow their configured rollover rule.

Rule: debts and incurred obligations become arrears; optional spending expires; reserve and savings gaps remain visible without pretending they are creditor debt.

Budget configuration

Edit or deactivate any recurring item as the family learns.
ItemOwnerAmountLevelRolloverPriorityActive

Transaction history

Every confirmed movement leaves an audit trail.
DateTypeSourceDescriptionAmount