Family Whole-Life System

A working model of a whole-life financial operating system, on an entirely invented household. Four connected views share one state: the double-entry ledger's real spending drives the retirement projection, the emergency-fund gauge, and the insurance math; the household registry drives net worth, estate triggers, and coverage adequacy. Change a categorization rule in the ledger and watch the retirement plan reprice. Every number on this page is synthetic; every method is production-grade.

Edit the rules and the whole system re-derives live.

Trial balance

Spending by category

Categorization rules

Format: PATTERN = Account. Patterns are case-insensitive regular expressions matched against the feed memo. transfer pairs opposite-amount lines across accounts; split:mortgage books principal against the liability and interest as expense. Unmatched memos land in Expense:Uncategorized for review.

Journal

Family

Property & vehicles

Financial accounts

Net-worth statement

Retire at 62 Monthly contribution $1,500 Stock allocation 70%

Single-earner household Elevated family health risk

Life insurance adequacy (DIME method)

Health & liquidity buffers

Asset insurance

Estate-planning readiness

How it works

One shared state, four derivations, recomputed on every change. The ledger is double-entry: a synthetic bank feed runs through an editable regex rules engine into balanced journal transactions with transfer pairing, a mortgage principal/interest split, evidence grading, and a books-balance integrity check. Its monthly spending total feeds forward. The household registry (people, home, vehicles, eight account types) derives the net-worth statement with loans netted per asset. The retirement engine runs a 400-path Monte Carlo simulation in your browser: real (inflation-adjusted) return and volatility are blended from the allocation slider, contributions accumulate to the chosen retirement age, then withdrawals equal to 80% of the ledger's current annualized spending draw the portfolio down to age 95; the chart shows the 10th/50th/90th percentile bands and the headline number is the fraction of paths that never run dry. It also compares your allocation against an age-based glide path. The protection view computes life-insurance need per adult with the DIME method (Debts + Income replacement + Mortgage + Education, offset by liquid assets, with a childcare-replacement value for a non-earning parent), checks home dwelling coverage against replacement cost, flags when net worth exceeds auto liability limits (umbrella trigger), gauges the emergency fund in months of actual ledger spend, checks HSA balance against the plan's out-of-pocket maximum, and scores an estate-readiness checklist where beneficiary designations, guardianship for minors, powers of attorney, and document staleness are each evaluated with the reason shown. The two toggles show how family situation and health factors reshape every target.

Why this matters, in plain terms: most families run their money as disconnected pieces: a banking app here, a 401(k) site there, an insurance policy in a drawer, a will from years ago. The pieces interact whether you look or not: how much you spend decides how much retirement actually costs; what you own decides how much insurance you need; who depends on you decides what documents must exist. This demo shows the pieces wired together, so one honest picture answers the questions that matter: are we saving enough, are we protected if something happens, and what breaks first if we do nothing? The production version runs privately for one family; this copy is a fabricated household you can safely poke at.