Model wealth compounding, calculate loan EMIs, evaluate purchase affordability, manage trade risk, and audit brokerage friction.
Determine if your cashflow and emergency runway can safely afford a gadget, vacation, lifestyle purchase, or trading allocation.
You can pay for this out of a single month's savings surplus without touching your emergency reserves.
Affordability is not about having enough balance on a credit card. It measures whether the purchase can be replenished from your monthly savings (Income - Expenses) within 3 months, while leaving at least 3 months of mandatory emergency expenses completely untouched.
