Step 1: Initial Profiling (Building Your Baseline)

In about one minute, you can build your household baseline portfolio upon launching the app. The values set here serve as the foundation for your Financial Cushion score and simulations.

1. Tap “Edit Household Portfolio” on the Dashboard upon your first login (or from the Dashboard anytime).
2. Select your household size and enter your monthly net income.
3. Choose the approximate range for your monthly fixed costs (rent/mortgage, insurance, telecom, etc.).
4. Select your primary mode of transportation (Train/Bus, Car, or Walk/Bicycle) and enter relevant travel costs (train fares, fuel) along with your monthly utility expenses.
5. Choose your dining style and enter your grocery and dining–out expenses separately. 6. Enter last month‘s total expenses and tap “Complete”.

Step 2: Dashboard Overview

Review your current financial health and monitor short-term inflation risks.

1. Open the **”Dashboard”** tab to view your income, fixed costs, flexible expenses, and surplus visualized on an interactive pie chart.
2. Check your “Household Score (pts)” and status label (Safe / Fair / Review) displayed alongside an emotional emoji (😊/😐/😢) calculated from your current Financial Cushion ratio.
3. Check the alert card at the top. Premium subscribers automatically receive a “Short-Term Price Alert” (e.g., “A max damage of +$52.54 is expected next month, mainly from Food & Daily Needs”) to immediately identify vulnerable categories (this card is locked in the free tier).

Step 3: Damage Forecast (Simulating Inflation Impact)

Calculate how future price fluctuations will impact your household budget across specific periods.

1. Open the “Forecast” tab and select a time horizon: “1 Week / 1 Month / 3 Months”.
2. Toggle between “Optimistic,” “Standard,” and “Pessimistic” scenario radio buttons for each indicator: Gasoline, Electricity, Gas, Food, Daily Goods, and Appliances.
3. Every time you switch a scenario, the “Expected Damage” and your “Financial Cushion (%)” update in real time.
4. Once configured, tap “Save this Forecast”. A timestamped name is automatically preset, which you can customize before saving to your local history.

Step 4: Action Plan (Setting Savings Targets)

Formulate concrete defensive targets against the projected inflation damage.

1. Open the “Action” tab and select a saved scenario from Step 3 (or the automatically generated Next Month Max Forecast) from the dropdown.
2. Drag the “Flexible Spending Reducer” slider to set your target monthly savings amount.
3. Moving the slider updates the pie chart and your improved score in real time. Once satisfied with your goal, tap “Save Target”. This saves a new scenario copy with your target reduction applied, keeping the original intact.
4. Review the dynamically displayed “AI Recommended Actions” below the chart, providing category-specific cost-cutting tips for utilities, food, and daily goods.

Step 5: Generating Premium AI Personal Diagnosis Reports (Premium Feature)

Subscribers have unlimited access to personalized, financial-planner-level diagnostic reports generated by advanced AI based on your settings from Step 4. From the “AI Advanced Diagnosis” section in the Action tab, you can generate three distinct types of reports:

① Basic Household Diagnosis (Actionable Defense Strategy)

Analyzes optimal spending reduction allocations across groceries, dining out, and utilities based on your target savings amount without compromising your Quality of Life (QOL). 

How to use: Set and save your savings target with the slider, then tap “Generate Basic Report”.

② Simulated Budget Diagnosis (“What-If” Stress Testing)

Manually modify specific expense categories to test how your household buffer holds up under severe inflation scenarios.

How to use:

1. 1. Select “Simulated Budget” as your diagnosis type.
   2. The save name field automatically populates with “Budget-Simulation-YYYYMMDD-hhmm” (editable).
   3. Manually adjust any combination of net income, utilities, fuel, groceries, dining out, or irregular expenses (empty fields automatically default to your baseline profile).
   4. Tap “Generate Advanced Report”. 

③ Savings Optimization Diagnosis (Wealth Formation Roadmap)

Builds an optimized roadmap to safely increase your monthly surplus and channel saved cash into tax-advantaged accounts (such as Roth IRA, 401(k), ETF-Sparplan, or NISA).

How to use:

1. 1. Select “Savings Optimization” as your diagnosis type.
   2. The save name field automatically populates with “Savings-Optimization-YYYYMMDD-hhmm” (editable).
   3. Enter your target monthly surplus increase in the controller.
   4. Tap “Generate Advanced Report”. The AI calculates balanced cost cuts while respecting essential living expense thresholds (such as the 30% grocery reduction limit) and outputs 10- and 20-year compound interest projections.

💡 Viewing and Storing Reports Generated AI reports are automatically saved with their corresponding pie chart metadata in your “Saved Advanced Reports” list for easy retrieval at any time. Simultaneously, a styled HTML email report is automatically delivered to your registered email address.