APCM

APCM is built around future transaction analysis.

APCM turns your income, spending, investment activity, and trading-related cash movement into a forward-looking balance curve so you can see whether your current pattern is sustainable.

Key features:

- Local transaction management with add, edit, delete, and query flows
- Consumption regulator sliders for investment, trading, lifestyle, and income assumptions
- Scenario simulation for travel, income pressure, trading drawdowns, emergency costs, and growth months
- Risk report with survival days, daily net cash flow, and balance warnings
- Optional receipt image attachment through system photo picker or camera
- Local privacy policy viewer with remote policy support
- In-app feedback with success confirmation

APCM stores ledger data locally on your device. It requests internet access for startup configuration and policy loading, and camera access only when you choose to capture a receipt.