Safe Repayment Planner

Cash-flow decision planner

Plan a Safe Repayment

Check when you can repay someone without dropping below your cash buffer or survival allowance.

Safety rule Above €200 buffer + €30/day allowance Confirmed income counts normally. Expected income is flagged as risk.

Current balance €0.00 Starting point for projection

First safe full payback date — Add a repayment test

Safe to pay today €0.00 Based on selected planning window

Lowest projected balance €0.00 Without test repayment

The plain-English answer for what you can safely promise.

Safe full-payment dates inside the planning window.

Why the selected repayment date is not safe, or what makes it risky.

Your safety rules and starting balance.

Current balance Safety buffer Daily living allowance Planning window Count expected income but flag risk

Book income and fixed payments once. Recurring items repeat into the projection.

Name Type Amount First date Income status Repeat Occurrences Note

Test a loan or person you need to repay.

Enter a repayment amount to calculate the first green date.

Saving a repayment makes it part of future projections, so promises you make to people are protected in later checks.

Past booked cash events that were not marked paid or skipped. They are not rolled forward automatically; you decide what happened.

Projected balance after income, obligations, living allowance, planned repayments, and any test repayment.

Green Amber Red Expected income risk

Booked income and obligations used in the projection.

Repayments already committed into the projection.

Upcoming income, bills, repayment promises, and risk notes.

Backup, restore, or reset this Safe Repayment Planner module only.

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