Almanac

How it works

Almanac reads your household through two lenses and a spending chart.

1 · The Household lens

How long your cash lasts, what's left, what's spoken for, what's locked in.

Today

Household lens today: cover 3.5 months, free 8,000, spoken for 40%, nothing fixed. Every measure inside its limit.

Almanac holds your household's whole position: income, costs, savings and goals.

Try a decision

A decision entry: extra months at home, AED 22,000 a month for 6 months. Your call.

Six months' unpaid leave: one salary, AED 22,000 a month, stops.

See what changes

Household lens after the decision: free falls to minus 14,000 and spoken for rises to 104%, both past their limits.

It shows which of your limits the decision would cross, and when.

Free each month (AED) 8,000 → −14,000 Limit: at least 2,000.
Income spoken for 40% → 104% Limit: no more than 50%. Fixed commitments would cost more than the income left.

The four limits

  • Cover How many months your cash reserve would cover your costs if income stopped.

  • Free What's left each month after commitments, living costs and goal savings.

  • Spoken for The share of your monthly income already going to fixed commitments, like rent, bills and any new commitment.

  • Locked in How long your longest fixed commitment still runs, such as a lease or a loan.

How to read it

Each corner is one of the four limits. A corner pushed past the ring, in coral, is a limit crossed.

The dashed shape is today, without the decision.

Try it yourself → Use it with your own household →

2 · The Wealth lens

What you own, against the limits you set.

The same shape, for what you own. Four corners:

  • Liquid What you could reach within days.
  • Largest holding Your biggest single holding, apart from your home.
  • Debt What you owe, against what you own.
  • Other currencies What you hold outside AED.

A corner past the ring means a limit crossed, whether it's a minimum or a maximum.

Here, Liquid has dropped to 16%, below the household's 20% minimum, so that corner turns coral.

The Wealth lens: liquid 16% against at least 20%, crossed; largest holding 36%, debt 4%, other currencies 7%, all inside their limits.

Monthly spending

Where this month went, against your usual.

Each category is sized against its own usual. A tip past the dashed ring means more than usual. It's a signal, not a limit.

Monthly spending: six categories against the dashed ring of their usual; Family, Transport and Food have a tip, above usual and not a limit.
What’s in each area?

  • Home & household: rent, utilities, internet, household supplies, repairs

  • Family: school fees, money sent home, childcare, kids’ activities, help at home

  • Transport: car loan, fuel, Salik, parking, taxis, metro

  • Food: groceries, eating out, delivery

  • Lifestyle: subscriptions, gym, clothes, entertainment, personal care

  • Travel: flights home, holidays, hotels

Example household · made-up figures

Your call. No products to push.

Almanac isn't here to sell you a mortgage, an investment or an insurance policy. It shows what a decision does to the rest of your household. What you do with that is up to you.