Triumvir

Use cases

Three decisions. Calculated consequences.

Compare fictional facts with explicit dates. Each example keeps its own reference; no option is financial advice.

Moving: pay for furniture or finance it?

Camille compares a complete move: deposit, costs, new rent and furniture. Both options use the same reference as the Home and Product pages.

Fictional illustration · no bank connected · no transaction executed.

One decision, two trajectories

Camille prepares to move

Free · current reading and reference trajectory up to 6 months.

Premium · decision scenarios and option comparisons.

Before: Lowest point €12,000. Option A: After: Lowest point €5,365. Days under pressure 0 → 0. Option B: After: Lowest point €8,656.98. Days under pressure 0 → 0.

€0€8,944€17,888Reference threshold · €3,269€15,830TodayOct 24Nov 15Dec 8Dec 30
Reference threshold · €3,269€2,335 in monthly commitments × 1.4. Below this level, Triumvir opens a pressure window.
ReferenceScenario
Smoothed curve · exact dated detail
Read exact amounts
October 1€12,000Scenario : €12,000

Smoothed curve. Hover or drag to read the nearest day’s exact amount. Use arrow keys for one day, Shift and arrow keys for seven days, Enter for details, Escape to leave the reading.

One decision, two trajectories

Through Dec 30
Reference and independent options on the same dates as the curve.
MeasureReference
Lowest pointReference €12,000€12,000Oct 1€5,365Nov 20€8,656.98Nov 20
Days under pressureReference 0 days0 days0 daysUnchanged0 daysUnchanged
Monthly marginAfter commitmentsReference €865€865€865€865

The options do not combine. Each starts from the same reference.

Before · StateStable
After · StateStable
Before · Lowest point€12,000
After · Lowest point€5,365
Days under pressure0 → 0
Monthly margin€865 → €865

This simulation describes consequences; the choice remains yours.

Start for free

Start with Free. The scenarios and advanced tools illustrated here require Premium.

Web available now · native iOS app forthcoming.

Prepare my move

Start with Free. The scenarios and advanced tools illustrated here require Premium.

Changing jobs: bridge an income interruption

The current salary stops, then replacement income starts on a declared date. The monthly projection shows the reserve before and after that transition.

Income interruption begins:

Replacement income begins:

Fictional illustration · no bank connected · no transaction executed.

One decision, two trajectories

Changing jobs

Free · current reading and reference trajectory up to 6 months.

Premium · decision scenarios and option comparisons.

Month-end reserve · 6-month projection. Before: €12,500. Option A · After: €4,200.

Before

State at 6 months: Stable

Calculated states month by month

Stable
Stable
Stable
Stable
Stable
Stable
€0€7,062€14,125€12,500OctNovJanFebMar
Monthly projection
Oct 2026 — Mar 2027
Read exact amounts
October 2026 · end of month€8,500

Monthly closing balances. Hover or drag to read the nearest month’s exact amount. Use arrow keys for one month, Home for the first month, End for the last month, Escape to leave the reading.

After · Option A · Change jobs

State at 6 months: Stable

Calculated states month by month

Stable
Fragile
Fragile
Fragile
Stable
Stable
€0€4,802€9,605€4,200OctNovJanFebMar
Monthly projection
Oct 2026 — Mar 2027
Read exact amounts
October 2026 · end of month€8,500

Monthly closing balances. Hover or drag to read the nearest month’s exact amount. Use arrow keys for one month, Home for the first month, End for the last month, Escape to leave the reading.

This simulation describes consequences; the choice remains yours.

Start for free

Start with Free. The scenarios and advanced tools illustrated here require Premium.

Web available now · native iOS app forthcoming.

Examine my job transition

Start with Free. The scenarios and advanced tools illustrated here require Premium.

Funding a project: reserve or loan?

A one-time cost is compared with an optional loan. Inspect month-end balances after the project, without treating available credit as income.

Fictional illustration · no bank connected · no transaction executed.

One decision, two trajectories

Funding a project

Free · current reading and reference trajectory up to 6 months.

Premium · decision scenarios and option comparisons.

Month-end reserve · 6-month projection. Before: €14,750. Option A · After: €8,750. Option B · After: €13,958.69.

Before

State at 6 months: Stable

Calculated states month by month

Stable
Stable
Stable
Stable
Stable
Stable
€0€8,334€16,667€14,750OctNovJanFebMar
Monthly projection
Oct 2026 — Mar 2027
Read exact amounts
October 2026 · end of month€10,000

Monthly closing balances. Hover or drag to read the nearest month’s exact amount. Use arrow keys for one month, Home for the first month, End for the last month, Escape to leave the reading.

After · Option A · Fund project from reserve

State at 6 months: Stable

Calculated states month by month

Stable
Stable
Stable
Fragile
Stable
Stable
€0€6,723€13,447€8,750OctNovJanFebMar
Monthly projection
Oct 2026 — Mar 2027
Read exact amounts
October 2026 · end of month€10,000

Monthly closing balances. Hover or drag to read the nearest month’s exact amount. Use arrow keys for one month, Home for the first month, End for the last month, Escape to leave the reading.

After · Option B · Finance project

State at 6 months: Stable

Calculated states month by month

Stable
Stable
Stable
Stable
Stable
Stable
€0€7,887€15,773€13,958.69OctNovJanFebMar
Monthly projection
Oct 2026 — Mar 2027
Read exact amounts
October 2026 · end of month€10,000

Monthly closing balances. Hover or drag to read the nearest month’s exact amount. Use arrow keys for one month, Home for the first month, End for the last month, Escape to leave the reading.

This simulation describes consequences; the choice remains yours.

Start for free

Start with Free. The scenarios and advanced tools illustrated here require Premium.

Web available now · native iOS app forthcoming.

Examine my project

Start with Free. The scenarios and advanced tools illustrated here require Premium.