Understanding your finances
Financial plan and scenarios
Choose an approach for available capacity and understand the next plan check-in.
Where is the plan and what is it based on?
Open AI Insights and find Your financial plan. The stage and monthly capacity follow available data and verified calculations. The plan may first call for better data, cash-flow stabilization, a reserve or debt reduction before funding goals and investments.
How do I select a scenario?
When scenarios are available, review their descriptions and monthly-capacity allocations.
- Select an approach and compare amounts and percentages for reserve, debt, goals, investments and flexible buffer.
- Select Confirm and activate to save the choice. Previewing a scenario does not activate it.
- Follow Path forward and the links to relevant data or settings. Money is not moved and trades are not placed automatically.
What does the next check-in mean?
Baseline pending means a new completed period is needed. Improving, Stable or Needs review then compares the monthly result with the activation baseline. This does not prove that individual actions were completed and does not guarantee future results. The check-in date does not imply an automatic transfer or reminder notification.
When should I refresh the plan?
After importing data or correcting income, commitments or preferences, use Refresh insights. If the plan changed and your selection cannot be saved, reload the report and review the scenario again. Settings → Guidance sets reserve, debt and investment preferences.
Finance Ledger presents insights based on entered data and does not provide investment, credit or tax advice.