Personal finance · projection-first

Watch the next 12 months
take shape.

Most budget apps tell you what you spent. Nervoxin's Smart Planning shows you what's coming — goals, debts, paychecks, and life events compounded into one forward view.

Start planning → I have an account

No bank linking required — just the data you choose to track.

🎯

Goals + debt in one ledger

Savings goals, debts, custom buckets — all share the same allocation pool so the math always reconciles.

📈

Real forward projection

APY, APR, paycheck cadence, life events, recurring spend — all compound into a monthly trajectory you can scrub.

🧮

Calculators pre-filled from your data

Mortgage, refi, rent-vs-buy, path-to-house, tax withholding — pull from your actual numbers, write back to the projection.

🛡️

You own your data

No third-party trackers. No bank scraping. Export everything, delete anytime.

The projection engine

The thing the others don't ship.

Monarch and Copilot stop at "what you spent last month." YNAB ends at "this month's envelopes." Nervoxin's Smart Planning keeps going.

12+ months ahead. Every goal, debt, and life event lands on its actual calendar month — not a generic "next year" lump.
Allocation-aware. Surplus splits across goals by the percentages you set. Change one and the whole trajectory updates.
Honest about today. The cash-flow forecast widget calls out the lowest projected balance so you know when things actually get tight.
What-if without breaking things. Stash a scenario from any calculator, see the projection rebuild, dismiss it when you're done.

Calculators

Decisions, pre-filled from your data.

Every calculator reads your real income, bills, and goals — and writes its scenario back into the projection so you can see what a decision actually does to the next two years of cash flow.

🏠Mortgage affordability"By the book" vs honest

🔁RefinanceBreak-even month + lifetime interest delta

🏡Rent vs buyThe year buying wins

🗺️Path to a houseRequired monthly savings + goal shuffles

🪙Tax withholdingPer-paycheck W-4 nudges

🎓Student loan strategistAvalanche, snowball, IDR plans

🛟RunwayMonths of bills covered by liquid savings

💭Should I buy this?Months it sets your goals back

Outside the box

A few things no one else builds.

Future-self letter. Write a note to yourself for the day a goal hits. Encrypted at rest, surfaced as a notification when the projection says you've made it.
Money-therapy journal. One optional question after each month close — "what spend was actually worth it?" The app never analyzes it. Pure ritual.
Bill negotiation log. Track every "called Comcast, saved $20/mo" so you can see lifetime savings build.
Inflation-adjusted projections. One toggle to view 5-year goals in today's dollars.

"The forward view changed how I think about every dollar. I stopped trying to predict the next month and started trusting the projection."

— Built by one user for one user, now for you

Start with one paycheck and one goal.

The onboarding wizard handles the rest. You'll be looking at a 12-month projection inside of 4 minutes.

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Changelog

What's new in Nervoxin's Smart Planning.

A running log of every shipped change. The latest few are below.