Planned outflow i
$2,336.90
↘ 0% this monthof your plan
U
Money MapSEPTEMBER 2026 · MONTHLY RESET
Make your money
work harder.
Your plan is a starting point. Today, focus on protecting cash flow, lowering debt, and buying your future a little at a time.
Two numbers need your attention
Your notes show two different phone and child-care amounts. Confirming them could change your monthly plan by $274.10.
Debt to clear
$5,450
3 balancesstart with cards
18% planned progressFuture money
$200/mo
＋ $100 emergency＋ $100 investing
12%
Credit health
560/ 850
Needs worknext: utilization
CASH FLOW
Where this month goes
71%committed
Fixed & essentials$1,806.90
Flexible spending$530
Future you$200
Debt minimums$100
NEXT BEST MOVES
Do these this week
✦Money CoachAsk me where to put your next $25.
THE SMALL-STEP METHOD
Kakeibo check-in
Before spending, name the reason. At the end of the week, look back without shame and adjust the plan.
What came in?$ —
What must go out?$1,806.90
What can wait?Subscriptions
What moves you forward?$200 future
YOUR WHY
Brand + family fund
$200of $1,000 monthly target
Your first milestone is not being rich. It is having enough breathing room to support your children and fund your next move.
YOUR MONEY MAP
Build a plan you can
actually live with.
Start with the numbers you know. Replace the estimates as your statements tell you the truth.
MONTHLY PLAN
Essentials & future
Planned monthly total$2,336.90
THE MISSING NUMBER
Your monthly income
Add take-home income so Money Map can calculate what is truly available after essentials.
$/ mo
Estimated breathing room$863.10
Demo number — replace it with your real take-home amount.RECURRING MONEY
Stop paying for
invisible habits.
Add the real price and renewal date for every recurring service. Unknown subscriptions stay visible until you confirm them.
Confirmed monthly$0.00enter prices to calculate
Unconfirmed services10Netflix through Microsoft 365
One good decisionCancel one thing you do not use.
SUBSCRIPTION AUDIT
Recurring services
CREDIT REPAIR
From 560 to
stronger ground.
There is no magic button. The app keeps the boring, high-impact moves in front of you until they become automatic.
560
Needs work
Goal range: 680+
300580670740850
Payment historyProtect every due date first.High impact
Card utilizationKeep reported balances low.High impact
New applicationsPause new applications for now.Medium
DEBT SPRINT
Smallest balance first
The “snowball” approach creates a fast win. Keep minimums current on everything, then aim extra cash at one balance.
CCar$4,700 remaining
$4,700
1Card 1Target first · $500
$500
2Card 2$250 remaining
$250
30-DAY ROUTINE
One month of clean signals
1
Set autopay
minimums2
Lower reported
utilization3
No new
applications4
Check reports
for errors
Set autopay
minimums2
Lower reported
utilization3
No new
applications4
Check reports
for errors
FUTURE MONEY
Small amounts.
Real momentum.
Automate the smallest amount you can repeat. Increase it only after your essentials and debt minimums are safe.
GOAL STACK
What you are building
◆
Emergency cushionSafety before speed
$100 / mo$100 of $1,000 starter target
↗
Long-term investingLearn before increasing risk
$100 / mo$100 of $2,500 starter target✦
Brand + kids fundPurpose gives saving a job
$0 / moSet a target to make this visibleMONEY LESSON
Kakeibo says: ask four questions.
What came in? What must go out? What can wait? What will make life better later? This is not about shame—it is about giving every dollar a job.
“Saving a little is not small when you repeat it.”
SAFE CONNECTIONS
Bring your accounts
into focus.
Connect through secure authorization when available. Money Map should receive account data—not your bank password.
ACCOUNT MAP
Available connections
CONTROL CENTER
Settings that keep
you in control.
Choose what is connected, how coaching works, and how your account is protected.
AI MONEY COACH
Make the help personal
API keys belong on your server. In production, use the secure backend settings—not this browser screen.
LOGIN SECURITY
8-digit one-time code
Codes expire quickly and should be rate-limited on the server.
⌑Passwordless sign-inSend an 8-digit code to your verified email.
DATA SAFETY
Privacy checklist
✓Never expose provider secrets in the browser
✓Encrypt tokens at rest and redact logs
✓Allow disconnect and data deletion
✓Require ownership checks for every record
SERVER ENVIRONMENT
AI API keys belong in .env
Keep real keys on the server. The starter includes an environment template for AI providers, OTP security, OAuth connectors, encryption, and database configuration.
OPENAI_API_KEY••••••••••••••••PLAID_SECRET••••••••••••••••ENCRYPTION_KEY••••••••••••••••