Monthly Surplus
See what is left after taxes, expenses, and goals.
Income, taxes, expenses, and goal contributions feed one monthly surplus number. It updates as you edit plan items.
How it works
Three steps
- A
Adjust income, expense, tax, or goal
Start from any plan item you need to change.
- B
Watch the monthly impact update
The app converts the value and updates the surplus.
- C
Decide before saving
Keep, revise, or wait while the plan is clear.
Capabilities
What this page covers
Previews inside planning forms
The surplus signal shows up where you edit, on the same screens as the plan items.
- Useful during setup and later adjustments.
- Less spreadsheet back-and-forth.
- Feels like one plan, one number.
Affordability in plain numbers
Ask "what does this do to next month?" and get a surplus answer while you type.
- New subscription, grocery shifts, goal changes.
- Shows when the plan moves toward deficit.
- Separates wants from what the plan can hold.
You control the entries
You type the incomes, expenses, taxes, and goals that enter the Monthly Plan.
- Intentional planning numbers.
- Focused on choices, not account noise.
- Shows with the money-flow Sankey on the dashboard.
FAQ
Common questions
What changes the monthly surplus?
Monthly income, tax estimates, expenses, and goal contributions.
Can I see the new surplus before saving?
Yes. Forms show monthly impact while you type.
Why is monthly surplus useful?
After taxes, expenses, and goal contributions, surplus is what the plan still has room for.
Can I try without an account?
Yes. The demo includes a preloaded scenario.
See the tradeoff before you commit.
Open the demo for the live monthly signal, or create a free account for your household.