BLACKBOX

Model the life you want — then see if income, spending, and major plans can hold up over time.

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Quick Guide
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Income & Monthly Spending

Income (max $50k/mo)
Spending (max $5k/item)
No saved scenarios yet

Major Purchases

Six fixed obligations layered on lifestyle spend. Toggle on to stress the plan.

01 Dream Car
Est. monthly $0 20 / 4 / 10
02 Dream House
Mortgage + bills $0 28 / 36
03 College / Tuition
Est. monthly $0 Finite term
04 Hospital / Medical
Est. monthly $0 Reserve first
05 Property Tax
Est. monthly $0 Recurring
06 Debt Payoff
Est. monthly $0 Payoff plan

You Can Afford This Lifestyle

Positive cash flow · 5-year mark holds on a 20-year path

Updates live from Planning & Purchases

6-month reserve target
--
Six months · all current outflows Calculating
5-year projection
--
Cumulative balance · yr 5 Calculating
Savings rate
--%
Calculating
Monthly cash flow
$0
→ Neutral
Expense ratio
0%
→ Optimal
Floor blockers
$0/mo
→ Manageable
Major load %
0%
→ Light
Runway
—
→ Calc

Monthly Budget Breakdown

How enabled categories share your monthly lifestyle spend (majors are separate floor blockers).

Lifestyle total —
Categories —
Top share —
Read

Enable categories in Planning to compose this chart.

Category board 0 items
Savings Projection
Full 20-year path · 5-year mark is the viability headline · 4% annual return · scrub any month
Cumulative Spending by Category
Total spent in each category at yearly checkpoints — useful for spotting what grows fastest.
5-Year Total Spending by Category (Treemap)
Larger tiles = higher 5-year spend. Hover any tile for exact amounts.
25-Year Financial Summary
Checkpoints at years 5, 10, and 20 · the complete 20-year view on one screen
Year Income Spend Saved Cumulative Status

AI Financial Viability Analysis

POLLINATIONS
Shared analysis service Reports run securely through the BLACKBOX server.
Viability Grade
Not run yet
—/100
blackbox · analysis idle
awaiting run
$ ready · press Run Analysis
✓
Savings Trajectory
Your projected savings show consistent growth, with the 5-year mark highlighted on a 10-year path.
⚠
Expense Ratio
Review lifestyle categories in Planning if spending is high relative to income.
✓
Debt Management
Major purchases are modeled in Purchases — re-run analysis after changes.
→
Primary Goal
Protect positive monthly cash flow, then improve the five-year outcome with one measurable adjustment.
Powered by Pollinations.ai through the secured BLACKBOX service.
Report Studio
Run analysis to generate bundle
BLACKBOX / ADVISORYLIVE MODEL

Select a report format

Generate an executive brief from the plan currently modeled. Each report explains the signal, identifies the risk, defines a goal, and closes with concrete next steps.

Plan-bound output · no open-ended chat · /api/pollinations-text

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BLACKBOX Mobile
5-year projection — Live from your model
iPhone preview · same model as desktop
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Target · August 2026 iOS first · Android next

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