Define your household’s operating discipline.
Run your household like it has a bond rating.
Declare a floor, a coverage target, a sweep, a rule. Setpoint projects every account forward under it and grades every breach by how bad, how soon, and how likely.
Where Setpoint fits
A budgeting app teaches you where the money goes. Setpoint is for after: you know the numbers, and the question has changed from what happened to what you’ll allow.
A pro forma, not a ledger.
Every account, every month, to the horizon. Your inputs stay yours; everything else is computed, and every cell can show its work.
| Line item | Jan 2027 | Feb | Mar | Apr | May | Jun |
|---|---|---|---|---|---|---|
| Salary | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 | 6,000 |
| Operating expenses | −4,000 | −4,000 | −4,000 | −4,000 | −4,000 | −4,000 |
| Mortgage · interest | −1,500.00 | −1,498.51 | −1,497.01 | −1,495.50 | −1,493.98 | −1,492.46 |
| Mortgage · principal | −298.65 | −300.14 | −301.64 | −303.15 | −304.67 | −306.19 |
| Checking, ending | 5,201.35 | 5,402.70 | 5,604.05 | 5,805.40 | 6,006.75 | 6,208.10 |
| Mortgage balance | 299,701.35 | 299,401.21 | 299,099.57 | 298,796.42 | 298,491.75 | 298,185.56 |
| Debt coverage | 1.11× | 1.11× | 1.11× | 1.11× | 1.11× | 1.11× |
Six months of the engine’s reference household. An illustration, not a recommendation.
Covenants, not categories.
Set the limits a household is actually run against. Every month is read against them.
- Ending cash$15,000Target range $8k–$24kNormal
- Months cash on hand7.8 moBand 5–9 moNormal
- Debt coverage1.11×Target ≥ 1.25× Warning · below target
- Loan to value75.0%Limit 80%Normal
What the engine does
Rules that run.
Sweep the excess above $15,000 to Brokerage. Stop the discretionary flow when the HELOC passes $40,000, and keep it stopped.
Alarms graded, not colored.
Consequence × imminence × likelihood. A 60% chance next year is not a 25% chance in 2031.
Uncertainty, quantified.
Monte Carlo, P10–P90, on cash, months cash on hand, and coverage. The probability a plan holds, not a promise.
Every number explains itself.
Open a cell: the flows, rules, accruals, and taxes that produced it — federal, state, FICA — to the cent.
Scenarios stack.
Baseline, plus the house, plus the third kid. Effective-dated, compared side by side.
Debt, computed.
A loan is an account and a linked payment. Principal and interest are split every month; a balance never invents its own payment.
What it won’t do
Setpoint does not recommend a retirement date, a savings rate, or a withdrawal rate. It projects what your own assumptions imply, and labels every number as exactly that.
If you want to be told what to do, that’s a different product.
For the household that has outgrown its spreadsheet.
If you’re still finding out where the money goes, use a budgeting app. It’s the right tool, and you’ll be back.
Bring your balance sheet.