New Feature
-
Discretionary budget — "Freedom to spend"
The solvency panel now shows a meaningful "Freedom to spend" figure based on
how much headroom you genuinely have, accounting for the upcoming month's
intra-month cash flow low point.Formula:
Freedom = max(0, next-month low point − discretionary buffer)- Next-month low point — the minimum bank balance at any day during the
following month, simulated event-by-event in day order. This is the tightest
moment your account will reach, and is therefore the safe upper bound on
what you can spend freely right now. - Discretionary buffer — a small safety cushion you configure yourself
(default £50). Ensures a minimum residual in the account even at the low
point.
Example: if next month's low point is £278 and your buffer is £50,
the panel shows "Freedom to spend: £228".If the result is zero or negative (the low point is already below the buffer,
or the upcoming months are already tight), the panel shows
"No discretionary budget this month" — which is the correct and honest answer. - Next-month low point — the minimum bank balance at any day during the
UI Change
- Discretionary buffer setting on solvency page
A small "Discretionary buffer: £ [___]" input field now appears directly
below the freedom figure. Type a new amount and press Enter to save. The
value is persisted per-user in the settings database and the panel refreshes
immediately. Default is £50.00.
Bug Fixes
- Fix: "Freedom to spend" was always zero
The previous formula subtracted all bills (bank + credit card) from income.
Credit card bills do not leave the bank account directly, so this caused the
discretionary figure to always be negative or zero even in safe months.
Replaced with the low-point formula described above.