CFO Command Center

1. Treasury — Income & Pay Schedule. For each income source, enter what you actually receive each paycheck, how often it lands (weekly, every 2 weeks, or monthly), and one real pay date you can point to. That's the only place you type an income number — the monthly total, the Calendar, and the Paycheck Planner all calculate themselves from it.
2. Treasury — The Four Walls, then Recurring Expenses. Put your true non-negotiables (shelter, food, utilities, transportation, plus tithe, insurance, and minimum debt payments) in The Four Walls. Put everything else you pay monthly — phone, internet, streaming, subscriptions, memberships — in Recurring Expenses right below it. Give each one a Due Day (1–31) so the Calendar and Paycheck Planner can match bills to paychecks automatically; leave it at 0 for anything with no fixed date, like weekly groceries.
3. Goals & Debt. Set your Emergency Fund target first and get it fully funded before working on anything else here — the app will remind you where you stand. Then set up Savings Goals, Sinking Funds for irregular costs, and your Debt Payoff strategy.
4. Dashboard. Nothing to enter here — it's your at-a-glance summary, calculated automatically from Treasury and Goals & Debt.
5. Calendar. Paydays and bills fill in automatically from Treasury, but you'll actively add and update quite a bit here: family events, recurring routines, and meals — including attaching a Meal Builder PDF to any meal — in the Events, Meals & Routines card, and each paycheck's confirmed actual amount in the Paycheck Planner once it lands (see the FAQ below).
6. Weekly Reset. Run the Sunday agenda — confirm each paycheck's actual amount in the Calendar's Paycheck Planner, and use the Household Chores list to assign chores by day; assigned chores show up on the Calendar automatically, tagged with each person's name.
7. Maintenance, Playbooks, Vault. Fill these in whenever you have a spare few minutes — nothing else depends on them.

Want to click around a fully filled-out household before you enter your own numbers? Click ↺ Load sample household in the bottom toolbar — it swaps in a complete working example (income, bills, goals, debt, calendar events, all of it) so you can see how everything connects. When you're ready to start for real, click 🗑 Clear everything to wipe it back to blank.

It doesn't guess — you tell it once, on the Treasury tab, right in the Income & Pay Schedule table. For each income source you enter three things: what you actually receive each paycheck, how often it arrives, and one real date you were actually paid as the anchor. No converting to a monthly figure yourself — that column calculates itself.

From that single anchor date, the app projects every future payday:

• Weekly — a new payday every 7 days from your anchor.
• Every 2 weeks (biweekly) — a new payday every 14 days. Some months this lands 3 times instead of 2 — the Calendar and Paycheck Planner will show that extra check when it happens.
• Monthly — the same day of the month, every month, from your anchor.

If you have more than one income (a spouse's paycheck, a side hustle), add each as its own row — the Paycheck Planner combines them all.

Because a month isn't exactly 4 weeks. There are 52 weeks in a year, not 48 (12 × 4) — so if you're paid weekly, the honest year-round average is paycheck × 52 ÷ 12, not × 4. A $504 weekly paycheck isn't $2,016/month, it's $2,184/month. Same idea for biweekly: it's × 26 ÷ 12, not × 2.

That "extra" $168 a month isn't made up — it's real money you actually receive. Weekly and biweekly earners get an extra paycheck a few times a year (a 5th Friday in the month, for example), and if you budget off × 4 or × 2 instead of the true average, you'll systematically underbudget every month and then get "surprised" by a bigger check later. The whole point of tracking your real pay frequency instead of assuming one flat monthly number is to catch exactly this — so ≈ Monthly is deliberately the precise 52 ÷ 12 (or 26 ÷ 12) average, never a rounded shortcut.

Every bill on Treasury with a Due Day gets assigned to the most recent paycheck that lands on or before that due date — in other words, whichever check's money is already in hand when the bill is actually due. The Paycheck Planner on the Calendar tab lists each paycheck with its bills underneath it, and shows what's left over after they're covered (in red if a check comes up short).

Sinking Funds and Savings Goals are really the same idea — money set aside ahead of time for something you know is coming. But before either one, get your Emergency Fund fully funded first. It's the only bucket that's there for what you don't see coming, and until it's full, a surprise expense has nowhere to come from except debt or one of your other goals. On the Goals & Debt tab, you'll see a gold banner above Sinking Funds and Savings Goals reminding you where you stand until your Emergency Fund hits 100% — once it does, that banner turns green and it's genuinely time to direct your money toward the rest.

Yes — if anyone depends on your income, Life Insurance belongs on Treasury in The Four Walls, as its own plain line with the Life Insurance tier, right below Health Insurance. It's not optional in the way a subscription is; it's what keeps your family's Four Walls standing if your income stops suddenly. If you already have Health Insurance on your ledger, a Life Insurance line is added automatically (at $0 until you fill in your real premium) — you never have to hunt for a place to put it.

One honest caveat: this isn't necessarily forever. As your Emergency Fund, savings, and net worth grow, you build the ability to self-insure — enough real wealth behind your family that a policy becomes less essential. Term life insurance in particular is often sized to cover you until that point, not for life. It's worth revisiting as your numbers change, not something to "set and forget" for thirty years.

The amounts on the Calendar start out as planned — projected from what you entered in Income & Pay Schedule. Real paychecks vary (overtime, fewer hours, a bonus), so during your Weekly Reset, open the Paycheck Planner on the Calendar tab and type what you actually received into the "Actual received" box on that paycheck's card.

Once confirmed, you'll see one of three signals: ✅ Matched planned, ▼ short of planned, or ▲ more than planned. The bills listed on that card are covered first no matter what — the Four Walls don't move. If a check comes in short, the "Left after this check" figure shrinks to match reality, which tells you the shortfall comes out of that period's Reserves, Equity & Lifestyle sweeps, not out of your bills. That's the weekly check-in: no money floating, and you know exactly where to adjust the moment a check comes in light.

On the Weekly Reset tab, the Household Chores & Task Delegation list is where "Task Delegation" from the Sunday agenda actually happens. Type in a chore, who it's assigned to, and a day of the week — it repeats every week and appears on the Calendar automatically, labeled with that person's name, so everyone can see what they're responsible for at a glance.

On the Calendar tab, add a Meal event and attach a PDF from Meal Builder Pro — it opens in one tap right from the calendar. PDFs are stored on this device only, so they aren't included in your JSON backup.

Use 🖨 Print calendar (on the Calendar tab) for a paper copy of the month, or 🖨 Print / Save as PDF (bottom toolbar) for your full financial plan. Use ⤓ Back up my data regularly — everything here lives only in this browser, on this device, so a backup file is the only way to move your data or protect it from a cleared browser.