Annual Budget (solver output × 12) · then Budget / Actual / Delta per month post-onboarding. Green delta = on or under budget for costs; over budget for income & goals. The Flex Fund row includes both variable savings and soft semi-fixed savings. Expand Semi-Fixed for category detail.

Current month semi-fixed spending vs budget. Scenario icons: 🟡 S1 = reduce transaction amount 20%; 🔴 S2 = reduce amount + frequency; ❌ = over budget; 🔒 = hard locked.

Bars show daily actual spend by month (colour-coded). Dashed line = engine-adjusted daily budget (reflects penalties from prior overspend). Teal line = Variable Budget Surplus — running total of variable-only savings vs budget. This is separate from the Flex Fund in the Dashboard, which also includes semi-fixed savings.