Your cash flow, read in context.
Not another budgeting app that sorts your lattes into categories. Ed reads what comes in and goes out against the life it pays for, and answers the question that matters: could your money survive a bad month?
Bank-grade, read-only connections. Ed never sees your login.
What Ed reads for you
Budgeting apps tell you where your money went. Ed reads what your cash flow means, and what to do about it.
The reality check
One read on whether your money could survive a bad month — whether your buffer really covers three to six months of expenses. For most people it lands harder than any budget.
In and out, in context
Ed reads your income and spending patterns as one picture, not a category pie chart — including months that look nothing alike.
From leak to move
The money quietly slipping away — idle cash, unnecessary fees — found, sized, and turned into a next move.
The four places your cash lives
Cash isn't one pile. It has four jobs — spending, emergency fund, short-term savings, investing — and each one wants a different home.
When you'll need it
Where lists say it goes
Nowthis month's life
SpendingInstant access, earns nothing. Keep it lean.
A day awaythe bad-month buffer
EmergencyCommonly three to six months of essential expenses.
1–3 yearsnamed goals
Short-term savingsA little notice in exchange for steadier earning.
Years of runwaygrowth money
Longer-term investableGrowth potential, market risk.
Now · this month's life
SpendingThe usual answer: instant access, earns nothing.
ed: $4,200 — about one month's outgoingsRoughly where it should be.
A day away · the bad-month buffer
EmergencyThe usual answer: three to six months of essential expenses.
ed: $3,100 — under one monthA bad month would go straight to credit.
1–3 years · named goals
Short-term savingsThe usual answer: a little notice, for steadier earning.
ed: Nothing set aside yetNo named goal is being funded.
Years of runway · growth money
Longer-term investableThe usual answer: growth potential, market risk.
ed: $41,000 — in the right placeUntouched for two years.
A framework can't see your accounts. Ed's Reality Check reads your spending and your emergency buffer from what's actually there — and tells you whether a bad month would break it.
Turn the check into a buffer.
Set your bad-month number as a goal — three months of expenses, or six. Every month, Ed reads your cash flow against it and tells you how the buffer's building.
Subscription-only. Read-only. Your data is never sold.
Money at peace.Wealth in motion.
Your money, finally handled. Your life, finally unhurried.
