Pmlinedelux

Pmlinedelux integrates expense tracking with a secure fund planning system. Users can record income, expenses, dates, and categories, attach photos of receipts, and edit or delete entries at any time. The secure fund calculator deducts outstanding fixed bills and emergency reserves from current cash holdings, providing a detailed breakdown of available funds. Fixed expenses are organized by monthly due dates; the ledger updates automatically upon payment recording to prevent duplicate entries within the same month. The emergency reserve feature calculates coverage duration and potential shortfalls based on essential expenses and target reserve periods. A line chart visualizes projected balances, reserve thresholds, and low points; a bar chart compares actual income and expenses, while a pie chart displays budget allocations by category and percentage. Users can simulate scenarios involving reduced income, rising costs, or one-time financial shocks, saving these risk simulations to compare baseline projections against stress-test outcomes. A security report explains the results, helping users analyze their spending structure and payment timing.