Stay On Target

Overview

Stay On Target is a straightforward desktop application that puts you in complete control of your personal finances. Combining digital envelope budgeting with automated balance forecasting, it helps you track daily spending, eliminate debt, and spot cash-flow bottlenecks weeks or years before they happen.

You may view code, privay policy and readme on our GitHub.

• Digital Envelope Budgeting: Divide income into dedicated spending categories so every dollar has a job before it gets spent.
• Automated Debt Snowball & Wealth Engine: Model debt payoff strategies, sweep excess idle cash into high-yield accounts, and simulate long-term net worth growth.
• Forward Financial Projections: View interactive 1-year to 30-year account balance trajectory graphs based on your scheduled bills, paychecks, and spending targets.
• Financial Health Alert: Are you in danger of going negative in an account during the projected period? The system will warn you.
• Bill Reminders: The system will remind you about upcoming bills or spending categories that are close to depleted.
• Spending Analysis: You budgeted to spend a certain amount on entertainment, but is that what you are really spending?
• Split Category Management: Effortlessly log daily ledger transactions and split complex receipts across multiple envelopes and subcategories.
• Purchase and Payment Entry: You can enter purchases manually or by importing bank statements. The system tracks to prevent duplicates. Before these concrete transactions are entered, the system uses bills and envelopes you define to simulate those transactions over time, so it can project your financial future. When real world transactions come through, those predictions fade away to show reality.
• Financial History: You can set the projection to show past transactions. The emphasis is on where you are going, but if you want to look back to see how you are doing, it is an available feature. The system uses hts past data to offer suggestions as to how you might more realistically predict envelope sizing. You say you'll only spend $100 on entertainment, but you always go over. It won't force you to change the estimate, but it can tell you what reality is.
• 100% Private & Local: Your financial records remain stored safely on your own machine with encrypted local database storage—no forced cloud syncs or monthly fees. Data is stored in a local encrpyted SQLite database. You protect it with a password and can use Windows Hello to make it easier for you to access.

Sample Usage - Stabilize Account Balance

When extra cash sits unmanaged in a standard checking account, it builds up without building wealth. Stay On Target uses forward balance projections to calculate your upcoming bills and safety cushion, estimating how much surplus money you have available. The app then recommends targeted "debt snowball" paydowns to eliminate high-interest balances faster or suggests directing excess cash into growth investments. You would then execute the susggestions, or hold off on them, as you see fit. By projecting these strategies years into the future, you can see how putting idle checking balances to work compounds your long-term net worth. Look forward, not so much backward. Know where you are going using data from where you have been.

Cash accumulating in a checking account is good, but its not going to earn much for you there.

Snowball debt and investment planning can project how changes will look to help you make decisions.

Application Interface

Cash Overview, Budget Status & Automated Snowball Engine

5-Year Financial Projection & Net Worth Trajectory

Light Theme & Multi-Account Projection Graph

Dark Theme & Multi-Account Projection Graph