MONEY IN / MONTH
—Median monthly inflows
YOUR MONEY, MADE CLEAR / OVERVIEW
Dataset loaded
A LITTLE CLARITY GOES A LONG WAY
Feel ready for
whatever's next.
See how long your money could last, try a life change and find a practical next step. Based on real patterns in anonymized historical data.
✓ No login needed✓ 4,500 demo accounts
⌕
TRY
01 / YOUR MONEY AT A GLANCE
Here's where things stand #21109
Loading transaction history...
MONEY OUT / MONTH
—Median monthly outflows
FIXED COSTS / MONTH
—Household, insurance, loan
AVAILABLE BUFFER
—Mean daily balance, latest 6 months
MONEY LASTS UNTIL
Calculating…
Based on your current money in and out.
YOUR MONTHLY CUSHION
—
Of every $100 that comes in.
Money going outMoney left
YOUR SAFETY NET
—
Months of your usual spending covered by the buffer.
3 months · Basic6 months · Strong
CASH FLOW HISTORY
Money in vs. money out
In Out
Last 12 available months · Actual transactions summarized monthly
CURRENT POSITION
Resilience scorecard
—
monthsBaseline runway
Monthly cash flow—
Household bills—
Current loan payment—
Recorded history—
EARLY WARNING
Checking balance dips…
A historical warning sign, not a prediction about you or a future loan.
CUSTOMERS LIKE YOU
Comparing similar accounts…
People with similar monthly inflows.
Income groups exclude pension-majority accounts. This is a dataset comparison, not a credit score.
MONEY ALREADY SPOKEN FOR
—
Recurring standing orders compared with typical monthly money in.
Standing orders may already be included in spending. They are not added twice.
YOUR MONEY CALENDAR
Your expensive months
Monthly patterns from available history.
Historical month labels were shifted. Don't assume the same seasonal timing in Canada.
02 / STRESS TESTING
What if life changes?
Every scenario uses this customer's own numbers. Adjust the assumptions live.
Checking income type…The source is inferred from account transactions, not verified wages.
YOUR BIGGEST RISK
See which single shock takes the most time off your buffer.
USE YOUR OWN HISTORY
Worst spending month
Try an emergency based on your biggest historical spike.
Income estimate
CUSTOMIZE THE SHOCK
Scenario parameters
Set to 55% to model employment insurance after a job loss.
0%100%
Applies to the customer's typical household bills.
0%100%
Deducted from the available buffer immediately.
$0$100,000
Optional ongoing expense beyond the household bill increase.
$0$10,000
SCENARIO OUTCOME
How long your money lasts
MONTHS UNDER THIS SHOCK—MONTHS
Adjust the parameters to calculate the impact.
—
Income after shock—
Spending after shock—
Buffer after one time cost—
Monthly shortfall—
JUDGING FORMULA
Buffer left ÷ monthly shortfall
Show the math and assumptions
The official benchmark formula stays unchanged. Optional planning tools below are separate.
12 MONTH OUTLOOK
Your money, month by month
TodayNow
Illustrative EI endsMonth 6
Balance reaches $0—
This is a hypothetical duration, not an EI eligibility or entitlement calculation.
The official runway number above follows the constant shock benchmark. The optional EI expiry changes only this extended projection.
03 / PERSONALIZED ACTION
A plan for the customer.
Two strategies, calculated from the account's own inflows and outflows.
GOAL PLAN
Build your emergency fund
A savings buffer equal to a chosen number of months of typical spending.
Finding your best next step…
Target buffer—
Current buffer proxy—
Still needed—
Current monthly surplus—
Adjust how much you could save each month.
BACKUP PLAN
Prepare for the shock
Estimate how much the customer's monthly finances need to change if the selected scenario hits.
Monthly gap to close—
Runway without changes—
Cut 25% of shortfall—
New estimated runway—
These are modeled budgeting suggestions, not verified employment income, actual investment advice, or a claim that every expense can be reduced. Review individual transactions before making a real customer recommendation.
ONE NEXT STEP
What if you could cut a little spending?
Calculating the impact…
An illustration of a sustainable monthly saving, separate from the benchmark shock result.
FIRST STEPS IF A SHOCK HITS
Your action checklist
Tick steps to explore possible actions.
BEFORE YOU BORROW
Check how a loan could affect your safety net
This is an illustrative payment estimate, not a loan offer or a default probability.
A simplified amortized payment. APR and underwriting are hypothetical. This does not assess credit eligibility or predict loan default.
04 / WHAT THE DATA TELLS US
The discovery.
Patterns across the full 4,500 account dataset, using the organizers' 55% income shock.
KEY FINDING
—
Accounts with an active loan have about twice the chance of falling below 6 months of runway after a 55% income shock.
This is an association within the supplied historical data, not proof that loans cause vulnerability.
SCENARIO COMPARISON
Under 6 months of runway
Active loan—
—No active loan—
—Denominators include accounts with no shortfall, which are counted as not under 6 months.
ALL 4,500 ACCOUNTS
Stress test results
Below 3 months—
Below 6 months—
No monthly shortfall—
Median modeled runway—
LIVE FROM SNOWFLAKE + TIGER DATA
Headline findings, recomputed from the raw data
DISCOVERY 01 / AN INCOME PARADOX
Higher inflows don't always mean a bigger safety net
The highest income quartile in this historical sample has fewer months of normal spending saved. Pension-majority accounts are excluded.
Money in includes transfers. Correlation is not causation.
DISCOVERY 02 / BALANCE WARNING
Below zero deserves attention
Observed balance dips and the challenge's debt status might be definitionally related. Small samples cannot support a predictive claim.
DISCOVERY 03 / THE EI CLIFF
An illustrative zero income after six months, not an actual EI benefits determination.
Method: monthly income and spending are account medians. Buffer is the average daily balance over the latest six account months. Income is reduced to 55% and other spending remains unchanged. Results describe this modeled shock only. Historic bank transfers and pensions can be included in “money in”.
05 / THE TECHNOLOGY LAB
More than a calculator.
Bring in sponsor technologies where they strengthen the solution. Connection status is shown honestly.
✦Ready to use
Gemini
Generate a structured, data grounded scenario prompt for AI Studio. A direct API integration requires a private API key.
▤Code included
Tiger Data
PostgreSQL tables and an import guide for monthly customer time series are included in the source repo.
Explore Tiger Data ↗❄Code included
Snowflake
Warehouse schema and a reproducible cohort analysis SQL query are included. Cloud credentials are still needed.
Explore Snowflake ↗☁Deployment option
Vultr
The app server runs in Docker on a Vultr cloud server behind automatic HTTPS. This badge reads "Hosted here" only when the server reports it is running on Vultr.
Explore Vultr ↗◎Optional
Solana
Could timestamp a hash of a scenario report without publishing account data. Not required for financial calculation.
Explore Solana ↗⌘Optional
Entire + GoDaddy
Entire can document the team’s Git development. A custom GoDaddy domain can be added after purchasing one.
MLH writing challenge ↗A technology counts as genuinely integrated only after authentication, deployment or transaction validation. This demo does not pretend that external cloud providers are connected.
06 / TRANSPARENT MATH
How every number works.
The benchmark definitions from Tangerine's README, with the assumptions exposed.
Typical monthly money in (I)
Median of `money_in` across all months for the account.
Typical monthly spending (S)
Median of `money_out` across all months for the account.
Typical fixed costs (F)
Median of the monthly sum of `household_bills + insurance + loan_payments`.
Buffer (B)
Mean `avg_daily_balance` for the last six monthly rows, sorted by month.
Household bills (H)
Median of `household_bills`. Percentage increases apply to H.
Active loan payment (P)
`monthly_payment` in `loans.csv` for status C or D at the end of 2025, otherwise zero. Shown separately and not added again to spending.
Runway
First subtract one time costs from B. Let monthly gap = shocked spending − shocked income. If buffer left ≤ 0, runway = 0. If gap ≤ 0, show “no shortfall (120+)”. Otherwise, show the smaller of buffer left ÷ gap and 120, to one decimal.
Source: PKDD'99 Discovery Challenge Financial dataset via the CTU Prague Relational Dataset Repository. Dates and amounts follow the challenge's transformed CSV files. The original regions are not Canadian. No client identifiers or banking information are sent to any third party by this dashboard.