Black Box Finance: The first finance app from Aurablox • iOS & Android launching 1/1/26 • Early feedback program active • Secure lifestyle budgeting • Advanced analytics • Privacy-first design • Get notified for launch Black Box Finance: The first finance app from Aurablox • iOS & Android launching 1/1/26 • Early feedback program active • Secure lifestyle budgeting • Advanced analytics • Privacy-first design • Get notified for launch
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BLACK BOX

BETA
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DAYS
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HOURS
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MINUTES
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SECONDS
LIFESTYLE AFFORDABILITY CALCULATOR
Quick Guide
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Click to expand or collapse instructions

You Can Afford This Lifestyle

Your projected savings remain positive over 5 years

$0

Live Financial Overview

Real-time calculations as you adjust
Monthly Cash Flow
$0.00
↗ Neutral
Expense Ratio
0%
→ Optimal
5-Year Projection
$0
→ Stable
Major Purchases
$0/month
→ Manageable
Income & Monthly Spending
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Drag sliders or click amounts to edit values
Income (Max: $50,000/month)
Spending (Max: $5,000/item/month)

Save & Load Scenarios

Experiment with different financial situations
No saved scenarios yet
Dream Car
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Calculate loan payments over your selected term and purchase year
Total purchase price including taxes and fees
Annual percentage rate
Payment duration
When you'll make the purchase
Dream House
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Down payment uses accumulated savings. Additional monthly bills (taxes, insurance) are separate from loan payment
Total purchase price including closing costs
Mortgage APR
Typical 15, 20, or 30 years
Down payment uses accumulated savings from previous years
Property taxes, insurance, HOA, maintenance
Savings Projection Over 5 Years
This line chart displays your cumulative savings projection over a 5-year period. The line shows how your savings accumulate (or deplete) month by month. Values above zero indicate positive savings, while values below zero indicate you're spending more than you earn. Hover over year markers to highlight individual years and see cumulative savings amounts for that specific year.
Cumulative Spending by Category
This chart displays cumulative spending totals for each category at yearly intervals (Year 1 through Year 5). Each bar shows the total amount spent in that category up to that year. Categories are labeled with their cumulative spending amounts, helping you see which categories consume the most of your budget over time.
5-Year Total Spending by Category (Treemap)
This treemap visualization shows your total 5-year spending by category, where larger rectangles indicate higher spending. The size and color intensity of each box represents the proportion of your total spending. Click or hover over any box to see detailed category information and exact dollar amounts.
Yearly Financial Summary
This table provides a comprehensive year-by-year breakdown of your financial situation. It shows annual income, total spending, annual savings (or deficit), cumulative savings over time, and your financial status. Use this to identify trends and see which years may be challenging or favorable based on your planned major purchases.
Year Annual Income Annual Spending Annual Savings Cumulative Savings Status

AI Financial Viability Analysis

BETA
Viability Grade
B+
78/100
✓
Savings Trajectory
Your projected savings show consistent growth across all 5 years, with positive cash flow maintained even after major purchases.
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Expense Ratio
Your spending-to-income ratio is at 72%, which is slightly above optimal. Consider reducing discretionary spending in categories like Entertainment or Dining.
✓
Debt Management
Major purchases are well-timed and manageable. Your car and house payments represent sustainable portions of your income.
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Optimization Opportunity
Delaying the house purchase by 6 months could increase your cumulative savings by approximately $12,500 while maintaining your lifestyle goals.
AI-powered financial analysis will provide personalized insights and actionable recommendations based on your complete financial profile.