Calculating…
Enter your current bills and move-out costs to estimate when you can afford to move.
Expected cash trajectory
Your projected move fund based on what is left after your current bills each month.
Now → After
The monthly cash-flow change at a glance.
What the move requires
Your target is one-time costs plus the safety cushion you choose.
Leave sooner?
See the actual tradeoff when financing is enabled.
Plan health
Useful warnings without pretending there is one “correct” choice.
What costs now, and what changes after?
This table is the core of the plan. Enter each bill once with its current amount and expected solo amount.
Income
Use your personal monthly take-home. If you expect it to change after moving, you can set a future amount.
Bills
“Now” drives how quickly your move fund grows. “After” determines whether the solo plan is sustainable.
| Bill | Category | Now | After | |
|---|---|---|---|---|
| Total monthly bills | $0 | $0 | ||
How much cash do you need to actually go?
Use realistic one-time costs and choose how much emergency cushion matters to you.
One-time costs
Everything due around separation and move-in.
Your target
Updates immediately.
Borrow for time, not by accident.
Model a Fresh Start loan and see exactly what it does to your move date and future monthly budget.
Fresh Start loan
Optional financing for the move-out gap.
Impact
What the financing buys and what it costs.
Existing debts
Payments entered here are automatically represented in your budget as debt obligations if you choose.
| Name | Balance | APR | Payment |
|---|
Keep it, sell it, or replace it?
Separate the car decision from the rest of the budget and make the monthly tradeoff obvious.
Current car
Replacement what-if
Compare alternate versions of the plan.
Scenarios override only what changes. Your baseline stays in one place.
Selected scenario
Get the web out of your head.
Keep the practical pieces here so you can focus on one thing at a time.
Before moving
After moving
Your vault.
Encrypted locally, optionally synchronized as ciphertext.
Encrypted sync
The backend never receives plaintext financial data.
Device unlock
Encrypted backup
Migration
Import an older Fresh Start plaintext backup.
Reset this device
Cloud data remains unless intentionally overwritten later.