FMManage

FMManage is a local-first treasury studio that turns pay-cycle cash flow, envelope discipline, and net-worth marks into one quiet operating picture—without linking a bank.

Core capabilities: Post inflows, outflows, and transfers against operating vaults; balances roll from opening marks plus the ledger tape. Draw spending envelopes on a payday cycle, not only the civil month, and watch burn versus cap. Map assets and liabilities, book investment lots with cost basis and last mark, and read a consolidated net-worth figure. Fund capital horizons (emergency reserve, sinking funds, payoff targets) with a blended funded ratio. Plan Lab: contribution-rate nest-egg projection, simplified effective-tax sketch, avalanche ranking of notes, and premium-linked cover. Liquidity Runway (days of operating cash), Subscription Radar (annualized recurring leakage), Receipt Vault, Voice Journal, soundtracked Focus Hour, Quiet Close archive, household splits, and a five-axis fiscal-fitness compass (liquidity, surplus, solvency, goals, discipline).