A lightweight, privacy-first financial health calculator
轻量级、隐私优先的财务健康计算器
Features • What is SASP • Algorithms • Usage • 中文说明 • License
- 🪶 Ultra Lightweight - Single HTML file (~100KB), no installation required
- 🔒 Privacy First - All data stored locally in your browser, never uploaded
- 📊 Multi-Asset Support - Track multiple assets with individual return rates
- 💳 Debt Management - Monitor debts with interest rate calculations
- 🧮 4 Algorithm Models - Linear, Smooth Curve, Step, and Sigmoid (S-Curve)
- 📱 Responsive Design - Works on desktop and mobile
- 🎨 Morandi Color Scheme - Calming, anxiety-reducing visual design
- 📖 Built-in Documentation - Comprehensive help and algorithm explanations
SASP (Safety-Adjusted Spending Power) is a dynamic budget indicator that answers one simple question:
"Based on my current financial safety, how much can I actually spend this month?"
Traditional approach:
Spendable = Income - Essential Expenses
This ignores your financial safety buffer. You might have money left over, but if your savings can only cover 2 months of living expenses, should you really spend it all?
SASP = (Income - Expenses + Passive Income) × Safety Factor
Where Safety Factor is calculated based on your Financial Runway (how many months your net assets can sustain your essential expenses).
SASP offers 4 different algorithms to calculate the Safety Factor (K):
K = min(1.0, M / L)
Simple and straightforward. K grows linearly until reaching the safety line.
K = 1 - e^(-M/L)
Conservative approach. K never fully reaches 100%, encouraging continuous saving.
K = 0.3 if M < 0.5L K = 0.6 if 0.5L ≤ M < L K = 0.85 if L ≤ M < 1.5L K = 1.0 if M ≥ 1.5L
Clear stages with defined milestones.
K = 1 / (1 + e^(-2×(M-L)/L))
Smooth transition around the safety line, gentle at extremes. Best matches human psychology.
Where:
M= Financial Runway (months)L= Safety Line (default: 6 months)
- Download the
index.htmlfile - Double-click to open in your browser
- Start using - no installation, no setup
- Assets: Add your savings, investments with expected annual returns
- Debts: Add any debts with their interest rates
- Income & Expenses: Enter your monthly income and essential expenses
- Target Saving: (Optional) Set a monthly saving goal
- SASP Value: Your recommended maximum non-essential spending
- Forced Saving: Amount automatically reserved for safety
- Financial Runway: How many months your net assets can sustain you
- Safety Factor: Your current financial safety percentage
- Pure HTML/CSS/JavaScript - No frameworks, no dependencies
- LocalStorage - Data persists in browser
- Responsive CSS Grid - Adapts to any screen size
- Zero Network Requests - Works completely offline
SASP（Safety-Adjusted Spending Power，安全支出力） 是一个动态预算指标，回答一个简单的问题：
"基于我当前的财务安全状况，这个月我到底能花多少钱？"
传统预算：
可支配 = 收入 - 必需支出
SASP 模型：
SASP = (收入 - 必需支出 + 净被动收入) × 安全系数
安全系数由你的生存续航能力（净资产能支撑多少个月的基本生活）决定。
- 📊 资产管理 - 多资产独立收益率计算
- 💳 负债管理 - 负债利息纳入现金流计算
- 🧮 四种算法 - 线性、平滑、阶梯、S型曲线
- 📈 财务诊断 - 负债收入比、月供压力分析
- 📖 完整文档 - 内置帮助说明和算法详解
- 下载
index.html文件 - 双击用浏览器打开
- 开始使用，无需安装
- 💼 收入不稳定的自由职业者
- 🎓 刚毕业的职场新人
- 💰 想建立储蓄习惯的"月光族"
- 📊 追求财务自由的理财爱好者
Contributions are welcome! Feel free to:
- 🐛 Report bugs
- 💡 Suggest features
- 🔧 Submit pull requests
- 🌐 Help with translations
This project uses a custom license:
- ✅ Free for personal, educational, and non-profit use
- ✅ Open source projects can integrate with attribution
⚠️ Commercial use requires a license - contact [2198384726@qq.comp]- 📝 Attribution required - please credit the original author
See LICENSE for full details.
If you find this project useful, please consider giving it a star! ⭐
- Inspired by the FIRE (Financial Independence, Retire Early) movement
- Morandi color palette for the calming visual design
- All the early users who provided feedback
Made with ❤️ for financial peace of mind