Monthly budget · Triumvir Trajectory
A budget planning app for seeing beyond this month.
Organising income and expenses is the starting point. Triumvir Trajectory connects your monthly budget to your reserve and the consequences of your decisions. See what your figures support, what is still missing and what a change could affect.
Start the free setupTriumvir Trajectory is prepared for a private pilot. Public and paid launch remain subject to operational and billing verification. The tools below work without an account.
What should a monthly budget show?
An expense total does not explain the whole month. Separate expected resources, recurring commitments, planned variable spending and the reserve you already hold.
- Expected net income, including frequency and uncertainty.
- Commitments: housing, bills, loan payments and other due dates.
- Variable spending: food, transport, leisure and incomplete categories.
- Reserve and savings: separate existing balances from planned contributions.
From expense tracking to comparing decisions
An expense tracker explains the past. A trajectory reading projects the income, commitments and events you enter. Before a move, an income reduction or a new expense, compare your assumption with the baseline. A simulation does not change your commitments or trigger a transaction.
An explicit method, conditional results
Manual entry is the current path. The deterministic engine calculates margin, reserve trajectory and scenario consequences from your data. The same inputs and assumptions produce the same results. The four surfaces are Trajectory, Decide, Structure and Brief; Reading and Pilot view offer two depths of inspection.
What a budget cannot establish
A positive margin does not guarantee every payment will clear: dates, omitted spending and account scope matter. A bank balance is not automatically available spending money. Projections cannot anticipate unknown events. Moving money to a savings account you own reallocates liquid wealth rather than destroying it. The decision remains yours, without regulated financial advice or promised returns.
Access and privacy
The web product supports French and English on desktop, tablet and mobile, with an installable PWA where supported. Native iOS or App Store availability is not confirmed here. Optional Premium banking connection is coming soon and remains inactive. Optional audience measurement requires explicit consent; financial amounts and financial free text are excluded from allowed measurement events.
Start with a calculation without an account
Choose the question you want to examine. Each tool explains its scope, assumptions and missing information before signup.
Monthly budget calculator
Compare income, commitments and planned variable spending. Read an estimated margin and incomplete categories without treating the result as your bank’s available balance.
Savings simulator
Project chosen contributions over a horizon with no added return. This projection describes your assumption; it does not establish what you can afford to save.
Reserve calculator
Separate no-income coverage from projected reserve depletion. This simplified reading does not predict an account overdraft.
Triumvir Trajectory plans
- Free: €0 for the essential reading.
- Premium: €19/month or €180/year, equivalent to €15/month with annual billing.
- Founder Circle: a one-time €500 payment for five years of Premium and founder status.
These prices describe current plans. Selecting a plan does not trigger payment; paid lifecycle verification remains a launch prerequisite.
Compare plans