What do the three money cards tell me?

The three cards under the four numbers describe what is true today — what comes in, what goes out and what is owed — which is the evidence the whole projection rests on. Each card has a compact figure with the exact one beneath, one reading, a few lines, and a button back to its section (for example Edit what you spend).

What the lines mean

• Survives a job loss — the share of your income that keeps arriving if you stop working, such as rent or a pension already being paid. Salary does not.
• Left over — what remains after all your spending and every loan payment. It is what funds the plan.
• Of what you earn — all your spending plus every loan payment, as a share of income before tax.
• The same life, later — today’s spending priced in the year you stop earning, each category grown at its own inflation rate.
• Costliest rate — the interest rate implied by your own loan schedule (what you owe, what you pay and for how long). If no loan has a remaining term, the line is left out rather than filled with an average.
• Clear by — the year your last loan finishes, on its schedule or when you said it is paid off.

Why only one card is coloured

The savings rate on the income card and the share on the spending card are the same ratio turned around, so colouring both would be two verdicts on one number. The band goes on What you spend, with the line Measured against your own income, not against anybody else’s spending. The income card has no band because there is no benchmark for what anyone ought to earn, and the debt card has none because Nivritee does not invent a threshold for a debt load. See What do “Looks right”, “Worth a look” and “Worth reconsidering” mean?