PLANFORTH

A Planforth field test

What money is already spoken for?

See known commitments against the paychecks ahead, so the money still flexible is easier to recognize. This is an illustrative concept—not financial advice or expense tracking.

One commitment, made visible

Start with what you already know.

Commitment card

Known obligation

Afterpay winter coats

Remaining balance
$240
Usual payment
$60
Rhythm
Every 2 weeks
Next payment
October 9

Future schedule

Oct 9$60
Oct 23$60
Nov 6$60
Nov 20$60

One entered commitment creates its future dates. It can then sit beside everything else the next paycheck is carrying.

Commitment map example

Each paycheck has a job before it arrives.

These example paychecks layer recurring bills, installments, one-time costs, and seasonal set-asides. The last number is what remains flexible—not a suggested spending amount.

Example paycheck

Oct 9

Income

$2,400

Already spoken for

$1,685

Remaining flexible

$715

What makes up $1,685

  • Rent set-aside$950
  • Utilities$185
  • Afterpay winter coats$60
  • Car insurance$175
  • School trip balance$240
  • Holiday set-aside$75

Example paycheck

Oct 23

Income

$2,400

Already spoken for

$1,530

Remaining flexible

$870

What makes up $1,530

  • Rent set-aside$950
  • Phone + internet$145
  • Afterpay winter coats$60
  • Dental visit$180
  • Car maintenance set-aside$120
  • Holiday set-aside$75

Example paycheck

Nov 6

Income

$2,400

Already spoken for

$1,660

Remaining flexible

$740

What makes up $1,660

  • Rent set-aside$950
  • Utilities$185
  • Afterpay winter coats$60
  • Car insurance$175
  • Thanksgiving groceries$220
  • Annual memberships set-aside$70

Example paycheck

Nov 20

Income

$2,400

Already spoken for

$1,710

Remaining flexible

$690

What makes up $1,710

  • Rent set-aside$950
  • Phone + internet$145
  • Afterpay winter coats$60
  • Holiday travel deposit$360
  • Car maintenance set-aside$120
  • Holiday set-aside$75

Illustrative figures only. This concept does not request financial information, link accounts, detect transactions, or offer financial advice.

A quick, anonymous signal

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