This month result
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💳Card payment view
₹0 card billCard Fund = total inflow minus fixed commitments and other expenses.
📈Next 6 months
Auto shifts with selected month✅Cash flow rules
- Use credit cards carefully; target ₹25k–₹30k and hard limit ₹35k.
- No new EMI until bike loan closes and Shriram closure plan is clear.
- Use variable/bonus/refund first for card cleanup, then Shriram prepayment.
- Revisit the card average after each month end and adjust spending.
🗓️Monthly Planner
Use Other Inflow for sudden money received in a specific month, like refund, gift, reimbursement, or one-time support.
| Month | Inflow | Fixed | Card | Other Inflow | Other Expense | Net | Status |
|---|
💳Credit Cards
Enter monthly bill amount card-wise. Total card bill flows to Dashboard and Planner.
📊Card Insights
🔒₹Fixed Commitments
Active fixed sum for selected month
₹0Calculated from active commitments.
💰Income Sources
⚡One-time Inflows
Use this for one-time/future money like SIP withdrawal, tax refund, chit payout, or company reward.
🎯Goals
Use refund, variable, bonus, SIP withdrawal and fiancée support for closure/prepayment.
Keep card bill within Card Fund; hard limit ₹35k until cash flow improves.
Target ₹2–3 lakh before heavy home-loan phase.
Recalculate after salary hike and after Shriram/bike closure.
🛡️Data backup
All data is stored only in this browser on your phone. Export backup regularly.