Revenue est.
Scheduled to pay
Spent so far actual
Next in: · then
Do this now
This month vs plan
Actual = your categorized Revolut card/cash spend this month. The grey line marks how far through the month you are — spending past it means you're running hot. Bills paid by bank transfer (e.g. rent) won't show here.
Cash dip ahead
See the ledger →
Live balance · Revolut
Connect your Revolut to see your real balance and recent transactions right next to the plan.
pocket
Pocket goals
Recent activity
Your paycheck plan
Full plan →
· in
Split it — covers you to
Each paycheck covers your bills + one-offs until the next one lands. When a big one-off run is coming, the surplus is held in your one-offs pocket so it's ready — only the true long-term surplus goes to Emergency (to ), then investing.
If this holds…
Monthly to wealth (steady)
Free cash by Jun '28
Living, one-offs and wealth are computed from your real expenses — only the tax % and fun cap below are choices.
Income
Rates & returns
Rules
Connect Revolut on the Home tab, then your real payments show up here to categorize.
Payments · Revolut
All sorted ✓
· auto
+ note
Known payees (shops, fuel, subscriptions…) are auto-tagged — marked · auto. Tap + note to jot what a payment was (“parking at the airport for mum”) — I'll read it and pick the bucket. Or set the bucket yourself; it sticks for that payee. Salary/top-ups → “Income”, pocket-to-pocket → “Transfer”.
Fund these pockets
Total out :
Now / Aug / Oct per month
Total one-offs (year)
Dated cash flow · running balance
Cash flow before you sweep surplus to savings. A red balance = a day you'd dip negative before payday.
Green = emergency floor filling to $20k; blue = invested wealth stacking on top, month by month.
Four pockets, day by day. Emergency floor (green) fills once to $20k then stays locked — never touched. Cash (blue) is the working buffer: it builds ahead of a big one-off and draws down as bills land — this is what breathes. Investments (purple) only ever climbs. Tax pocket (grey) builds toward each May tax bill, then resets after it's paid (May '27 + May '28). Hover any date for all four.
Income in
Tax → pocket
Living
Fun
One-offs
To wealth
Free cash (cum.)
The rule
Floor first. No crypto buys — STBL is a separate hold.
Safe end can't drop; aggressive end is the convex bet — small losses by design. The thin middle is deliberate.
Next move
Investable wealth by Jun '28
Suggested split by category
Your projected investable wealth split across the thesis — chips, power, platforms. Change any target weight in the watchlist below and this updates live.
Tax pocket → May '27
STBL · existing hold
AI / semis watchlist · target weights
Prices are what you type in (the app never fetches markets). RO broker: 1% tax if held >1yr vs 16% short-term — hold the sleeve over a year.
Guardrails
Floor first · No crypto buys (STBL separate) · Hold sleeve >1yr for the 1% rate · Fun money only after the floor.