HTUP

Turn cash balances into funding months with a focused personal finance workspace. Define recurring essential outflows to set one funding month, choose a runway target, and organize fund accounts by immediate, flexible, or scheduled liquidity. Accessible cash becomes coverage time while delayed amounts stay clearly separated. Record every deposit and withdrawal with an amount, date, account, and reason. Each entry shows the exact change in funding months and preserves its original outflow baseline. Build a recovery funding plan with a repeatable monthly contribution, progress milestones, and an estimated restoration month. A cash ledger brings together runway trends, balance composition, outflow reason groups, movement history, and average rebuilding time. Finance notes and review reminders support a consistent monthly fund check.