Cash Flow
What your month really absorbs once everything is counted.
- Surplus and effort rate computed from your own figures.
- A commitment is tested against the surplus, not the income.
- No amount leaves your browser.
Wealth
Decide with your real base, not with a feeling.
Enter a simple monthly picture and see whether a purchase, a repayment or an investment holds. Amounts stay in your browser and are never stored.
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What matters now
Start with one decision. ImpactOS will build the command center from your context.
Ask ImpactOS
Pick a question. The answer comes from your own context, not from a chat model.
Decision trail
Answers you keep are collected here for this session only.
1
What decision are you preparing?
Everything after this step adapts to the decision you pick, so nothing irrelevant is asked.
This step is required for this scenario.Not started
One decision at a time.
What this space covers
Debt
The pressure you already carry before adding anything.
- Debt weight compared with your monthly base.
- The order that usually costs you less.
- Explicit conditions rather than promises.
Savings
How long you hold if income stops.
- Emergency cushion expressed in months.
- Runway shown before any long commitment.
- A weak cushion blocks the verdict rather than hiding it.
Goals
A monthly effort you can keep for twelve months.
- A sustainable effort instead of a maximal one.
- The first month is planned, not just intended.
- Progress stays on your device.
Scenario Simulator
Compare the options that compete for the same surplus.
- Each option is scored on the same factors.
- The reason behind the verdict is always visible.
- This is an analysis tool, not financial advice.