Mutikuwe Finance Operating System

Working month

External cash received$0.00

Cash available$0.00

Mandatory due$0.00

Arrears$0.00

Funding gap$0.00

Invested this month$0.00

Source balances

Available cash after confirmed transactions

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, giving and monthly investment targets

Record external cash received

Business-to-business support is recorded under transfers, not income.

Select funding source

Only obligations owned by the selected source are shown.

Pay from

Allocation summary

Review before confirming.

Selected total$0.00

Balance after payment$0.00

Outstanding obligations

Arrears appear before current-month items.

Select	Priority	Item	Owner	Original month	Status	Outstanding	Pay now

Transfer cash

Move money to the household or support another business without recording fake revenue.

Add C&V Knitters job

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

C&V job register

Track profitability and customer balances separately from overhead.

Date	Customer	Product	Price	Direct cost	Gross profit	Received	Customer balance	Status

Add investment goal

Create unlimited goals and decide the monthly minimum.

Make investment contribution

You may invest before flexible expenses, but the dashboard will preserve the resulting funding gap.

Investment centre

Monthly minimums are intentional targets, not creditor arrears.

Add obligation

Define whether unpaid amounts become arrears, expire, or remain a funding gap.

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, savings and investment gaps remain visible without pretending they are creditor debt.

Budget configuration

Edit or deactivate any recurring item as the family learns.

Item	Owner	Amount	Level	Rollover	Priority	Active

Transaction history

Every confirmed movement leaves an audit trail.

Date	Type	Source	Description	Amount