Budget Flow - see where the month's money goes, then move it

Lay out a household, freelance or student budget - or drop a bank CSV and let the browser bucket it by keyword rules - and see it as a Sankey: income on the left, categories in the middle, needs, wants, savings, debt payments and left over (or a shortfall) on the right. Every line has a what-if slider that re-flows the diagram live with the month-end, emergency-fund months, a 12-month projection and a debt-free date from a month-by-month amortisation. A metered planner proposes ranked moves, drawn as dashed ribbons on the same diagram, flags risks and names one question to settle first; the page checks every figure against its own and applies an accepted move by setting the slider. Exports SVG, CSV, JSON and Markdown. Derived from the @onewave-ai/budget-optimizer agent skill.

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