What would you like your money
to make possible?

Canada; CAD; relative integer months 0–360 mapped to YYYY-MM. Month 0 is the starting snapshot; month 1 is the first month after that snapshot. User dates map exactly to month indices. Events start before that month's cash flow and include their end month. One-time events require start=end. Samples and return assumptions are invented, not quotes.

Order: opening cash growth and investment gross return → market-loss event → investment fee → income/living costs and active dated changes → actual regular debt payment/renewal charge → requested investments and extra principal → goal earmarks → goals due, in stable array order. Infeasible funding stops before committing that month; a diagnostic reports the gap and the valid prefix remains. No overdraft, automatic sale, new borrowing, optional-transfer rescaling or hidden goal release. Existing unassigned cash can cover operating expenses; optional transfers may use it only with explicit permission. Reserve-floor breaches are warnings, not fabricated extra money.

Investment/cash effective annual r becomes (1+r)^(1/12)-1. Investment input is gross before fees, with a separate annual asset fee divided by 12, charged to post-return/post-shock assets before month-end contributions. Cash return is a user assumption after taxes/fees they allow for; personal taxes are not calculated. Signed half-up cent rounding for new flows; reused mortgage amounts retain their released cent policy. Results outside safe integer cents stop as unsupported. Cash and investment assets cannot be negative. Generic investment withdrawals into spending are unsupported because personal tax/access is unmodelled.

Quick budget is money remaining after living costs, the entered starting regular debt payment and the separately identified ending expense. Expanded budget replaces that net figure with net income minus ordinary spending (including housing, excluding saving/debt/ending expense), regular debt payments and the ending expense. Never add quick room to expanded income. Changes in actual debt payment and an expense ending change room once. Unassigned room remains in cash. An expense-end event has no debt effect.

Loan: fixed nominal annual rate / 12 on opening debt, half-up cents, actual regular payment capped to amount owed, then capped extra principal; no revolving credit/charges. Non-amortizing required payments are unsupported. Mortgage: unchanged adapter per term. A separately tested wrapper recalculates each entered/assumed renewal using actual balance and remaining amortization. Future fixed rate, renewal term and a cash renewal charge must be explicit. Missing renewal stops at the known term; final required payment above the segment's regular provision remains unsupported. No free refinancing or lender permission assumed.

Cash = starting + positive net cash retained − existing cash used for funding gaps − paid goals − renewal charges + cash growth. Net cash retained each month is room after living costs/regular debt minus investment transfers and extra principal; a negative amount is cash used, not a negative contribution or a second deduction. Investment = starting + actual contributions + gross growth + stress loss − fees (withdrawals unsupported). Debt = starting + cumulative interest − actual regular payments − extra principal. Owned transfers cancel in modelled assets minus debts. This aggregate excludes home value, other assets/debts and personal taxes; it is not complete net worth. Interest differences are never added again.

Each cash goal owns an explicit starting designation and monthly earmark within cash, not a separate asset. Total starting designations cannot exceed starting cash. Growth/loss updates claims proportionally with residual cents left unassigned. Operating expenses use unassigned cash; changing that protection requires editing claims. At due date, a spending goal must meet its cost within its claim and then reduces cash; no partial success or spending twice. Balance goals retain their claim. Investment balance goals use non-overlapping percentage shares, totalling at most 100%, of generic pre-tax investment assets. An investment claim cannot certify a cash spending goal. Contributions stop after a cash goal's due month.

Goals use either today's costs (inflate once to the due month) or an entered future-dollar target. Today's-purchasing-power display divides both nominal balances and nominal targets by the same date-specific factor. Ordinary spending is held at entered nominal amounts unless changed by an event; inflation is a target/display assumption, not a hidden income raise.

Inputs → strict normalized schema → one authoritative monthly result → goal/comparison/provenance data → deterministic explanations/UI/brief. Alternatives share household starting resources. Imported inputs are labelled imported and recalculated; output/status fields and unknown/executable/prototype keys are rejected. No storage access. A pure consented snapshot adapter is the future Your Finances seam, with no read/write integration.

Account architecture: account id, ownership scope, wrapper policy, holding behaviour, tax/access basis are distinct from a goal claim. Implemented policies are cash and generic pre-personal-tax accumulation only. Deferred account policies must provide room, contributions, tax and access transactions before claims change.

Primary context retrieved 2026-09-17: FCAC investing basics, Making a budget, Paying off your mortgage faster; CRA TFSA contribution room and RRSP; Government of Canada RESP benefits; FP Canada projection-assumption page (context only, no recommended rate imported); W3C WCAG 2.2. Linked in the app's Sources. Published account concepts are contextual education, not implemented eligibility or future limits. Professional financial-model and Canadian legal/product-boundary reviews remain pending before release.