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.

Day-by-day variable spending vs daily budget. Delta = budget minus actual — positive (green) means under budget, negative (red) means over budget. Running surplus feeds your Flex Fund.

All spending you control — variable (dark) and semi-fixed daily average (light) stacked per day. Dashed line = combined daily budget. Teal line = running flex fund balance (green = surplus building, red = deficit). Resets at the start of each month.