TODAY
What needs attention now
Events, tasks, deadlines, routines, time blocks, reminders, personal/shared commitments and relevant financial actions or reviews.
QUADRATIC LIFE
A private-first personal operating system concept.
Planning, routines, people, shared contexts and explainable Personal Finance Intelligence — designed to remain separate from business workspaces.
Quadratic Life is presented as a separate product concept, not as part of the current business Solution Pack catalogue. The finance features below come from the earlier Life specification and are not represented as implemented production software.
LIFE SOLO / LIFE TOGETHER
Private by default. Shared by consent.
Life Solo is the individual environment. Life Together adds explicitly shared calendars, tasks, plans, budgets, goals and purchase planning while preserving separate private contexts and revocable sharing.
TodayWeekInboxRoutinesPeopleSharedResourcesReviewMoney
WEEK
A realistic weekly plan
Fixed commitments, flexible tasks, routines, relationships, projects and rest/recovery arranged around explicit constraints.
REVIEW
Close the loop
Weekly planning and monthly money review, with visible decisions, corrections and next actions.
MONEY
Personal Finance Intelligence
The recent Life finance extension is broader than budgeting: it models financial state, purchase readiness, full ownership burden, allocation rules and transparent scenario comparisons.
Financial state
Income/profit, cash balances, savings, investments, debts, assets, liabilities, recurring obligations, essential expenses and planned purchases.
Planned Purchase Engine
Use a user-entered price or researched estimate with source, date and confidence; an actual quote can replace the estimate without erasing provenance.
True affordability
Distinguish cash on hand from affordability by accounting for reserves, commitments, debt service, near-term needs, saving/investment rules, ongoing ownership cost, contingency and opportunity cost.
Classification & warnings
Explain adjustable classifications such as wealth-building asset, income-supporting asset, liability/cash drain, essential expense and discretionary consumption; surface reserve, debt, commitment and concentration warnings.
Goal & purchase readiness
Calculate target amount, ownership burden, funding gap, suggested allocation and scenario-based readiness dates.
Wealth Allocation Engine
Propose configurable splits of new income/profit across immediate obligations, reserve cash, debt reduction, investments/assets, medium-term opportunity cash and discretionary spending — with visible reasoning.
Scenario comparison
Compare options such as buy now, save longer, raise allocation or reduce another commitment using transparent inputs and calculations.
Explainable AI boundary
Rules, thresholds, inputs and calculations stay visible. AI may help classify, research or explain, but cannot hide the deterministic basis or execute financial actions without approval.
ILLUSTRATIVE PLANNED-PURCHASE DEMO
Cash is not the same as affordability.
This small local-only UI demonstrates the deterministic idea. It is not financial advice and does not represent a production Life engine.
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CONTROL BOUNDARIES
User-controlled financial actions.
- Private financial context stays private unless deliberately shared.
- Recommendations expose rules, thresholds, inputs and calculations.
- Research stores source/date/confidence and can be replaced by an actual quote.
- No autonomous payment, investing, borrowing, purchasing, cancellation or goal changes.
- Not a bank, tax-filing system, payroll system or statutory accounting product.