LiquidityRule L-04
Your safety net is thinning.
Cash buffer down four months running while outflows held flat. At this pace you drop below your floor in about six weeks.
Liquidity runway
6.2 mo3.8 mo
Finally understand
why your wealth moved.
Without tracking a single transaction.
Type in your balances once a month. The engine does the rest. No bank linking.
The only equation we use
Income saved+Market returns−Outflows=Your wealth change
See where I stand
Free · No account required · Works offline
The problem
Most people run their money on autopilot.
Nothing forces a look, until a flat, a wedding or a kid needs a number and a date.
Set the target. Every month it tells you whether you'll make it.
Goal
7 mo behindFlat down payment
S$74,200of S$120,000
- Target date
- Aug 2028
- Projected
- Mar 2029
How it works
Three steps. One clear answer.
You type the numbers in yourself. That is the whole input.
01
Type in what you have
What each account is worth today. Totals are enough.
Your accounts
DBS BankS$12,450
IBKR BrokerageS$23,890
KrakenUS$8,200
Under 5 minutes
02
The engine splits the change
Every dollar goes to one of three forces. Nothing is estimated.
The split
Effort+S$2,600
Markets+S$1,600
Outflows-S$800
Instant
03
Come back next month
Each month adds to the picture. Nothing nags you in between.
Your next move
Strongest savings month in six.
Keep the rhythm going
Two minutes to update
What you get back
Your month, on one screen.
Two things every month. The split that explains it, and a flag when something turns.
June 2026
+1.5%S$284,500
+S$4,200 this monthYOUR EFFORT+S$2,600
MARKETS+S$1,600
OUTFLOWS−S$800
What went well
“Your behaviour drove 62% of this month's growth. It was your strongest savings month in six.”
Flagged this monthRule L-04
“Your safety net is thinning. Cash buffer down four months running.”
Early warning system
What attribook catches
before you feel it.
The engine watches four things. That buffer flag was one of them.
BehaviourRule S-07
Your raise didn’t land.
Income up 12.4% YoY. Savings rate down 3.1 pts. The extra income is slipping into outflows.
AttributionRule C-02
Only 47% of what you saved.
You put away S$28,400 last year. Only S$13,350 landed in net worth. FX drag and outflows ate the rest.
MomentumRule V-03
Still growing, just slower.
Monthly growth cooled from 2.1% to 1.8% to 1.4% across the last three months. The number is up, the trend is down.
AllocationRule A-05
One position grew into 42%.
Your IBKR VOO holding drifted from 28% to 42% of net worth over nine months. You never rebalanced. The market did it for you.
Every number is computed. Never invented.
Deterministic engine · No AI guesswork
No strategy?
Start with one sentence.
Our Thesis AI feature reads your growth goals, helps you strategise and articulate your investment rationale, and alerts you to relevant developments while you're away.
- 01
Write your thesis or adopt one
Why I own itthey own the toll road, not the cars
3 assumptions drafted - 02
Confirm your assumptions
I was wrong ifSeen in- Margins fall under 22%Filings
- They lose the contractNews
- Debt passes 3x earningsFilings
- 03
It gets looked up each month
Looked up this month- Q3 filingRead
- 41 news itemsScanned
Nothing matched your list.
Local mode
Runs on your machine, not ours.
- Runs in your browser
- No bank login, ever
- No commissions, no affiliates
- Export everything, any time
Know where you stand.
See where you're going.
Before anyone tries to sell you something.
Start nowFree · No account required · Works offline