First Order Gnosis

Tools · Life

Budget / cash-flow

What comes in, what must go out, what is left. Plain numbers. Saved on this device. A shortfall is information — not a spiritual grade.

This helper runs in your browser. Turn on JavaScript to add the numbers and keep them on this device.

Must-pays

Rent or housing, food, transit, insurance, minimum debt payments — the bills that keep the lights on. Not a moral ranking.

Leftover this month

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Income minus must-pays. A shortfall is information, not a verdict.

Stays on your device. We do not see it.

How to use it

Use your own currency. Must-pays are the bills that keep a life standing: housing, food, transit, insurance, minimum debt payments. Wants can wait in a notebook. If leftover is tight or negative, that is a fact about rent and wages as much as about habit. We do not moralize either.

Next rooms if you want them: debt payoff, emergency fund target, or the handheld week I want to simplify my money so I can practice.

When you are ready

One honest list is enough for today.

Life tools Practices

Debt payoff · Emergency fund target · Compound growth toy · Time reclaim