🏠 Family Finance OS

Household CFO

Run your household like a smart finance team. Track shared cashflow, stress-test debt, score resilience, and plan family goals with clear monthly action numbers.

💸 Shared Cashflow 🛡️ Resilience Score 🎯 Goal SIP Planning

👨‍👩‍👧 Household Income

Primary Income (Monthly)

Secondary Income (Monthly)

Other Income (Monthly)

Rent, freelance, pension, interest, side income.

🧾 Essential Outflows

Housing (Rent + Maintenance)

Groceries + Utilities + School

Insurance + Medical

Loan EMIs

📊 Lifestyle + Buffer

Lifestyle Spending (Monthly)

Current Investments (Monthly)

Emergency Fund Corpus (Current)

Expected Return for Goal SIPs (%)

Goal Inflation Assumption (%)

🎯 Family Goals (Today Value)

Goal	Target (Today)	Current Corpus	Years Left

Targets are today values. We inflate them based on your inflation assumption to compute real monthly SIP need.

📡 Household CFO Dashboard

Total Monthly Income

Total Monthly Outflow

Monthly Surplus

Savings Rate

(Investments + Surplus) / Income

Needs Ratio

Essential spend as % of income

EMI Burden Ratio

EMIs as % of income

Emergency Runway

Months of essential spend covered

Goal SIP Needed

Household Resilience Score

Assessing...

Score blends emergency runway (35%), savings quality (25%), debt burden (20%), and monthly cashflow health (20%). Negative monthly surplus now directly pulls score down.

💡 Action Insights

🧮 Formula Notes

Inflated Goal Target = Today Target x (1 + inflation)^years
Goal SIP = Remaining Goal / [((1+r)ⁿ - 1) / r x (1+r)] where r = monthly return, n = months
Savings Rate = (Current Investments + Monthly Surplus) / Monthly Income
Emergency Runway (months) = Emergency Corpus / Essential Monthly Spend