Each page leads with the monthly, weekly and daily figure, then does the part the listicles skip: which of the four kakeibo envelopes gives the money up, and what the plan asks of your income.
A savings target is one division and a lot of avoidance. The division is here, for 14 common targets across 7 horizons in 3 currencies. The avoidance is what the kakeibo part is for: a target only becomes real when you can name the envelope it comes out of, and that is on every page below.
Divide the target by the number of months. Everything else on these pages, the weekly and daily figures, the income the plan implies and the envelope it comes out of, is built on that one division.
Why is the daily figure worth knowing?
Because it is the number you can act on. A monthly figure tells you whether the plan is possible; a daily figure tells you which habit has to change to make it happen.
Do these pages account for interest?
No. They are deliberately plain division, so the figure is the amount you have to move rather than a projection that depends on a rate. Anything a savings account pays you arrives early, which is the direction you want to be wrong in.
Which currencies are covered?
US dollars, pounds and Australian dollars, with the figures and the household examples written for each. That is 294 target pages in total across 14 amounts and 7 horizons.
The number is the easy half
Every page here ends in the same place: the amount has to leave a real envelope every month. The app keeps that ledger, with the four categories and the monthly questions built in.
