MENTIFABERThe workshop · drawn at night
Sheet
21 / 41
Grid
MF-04·01
Drawn
Anders
Date
28.10.2026
Fig. 1 · Ballast, on the bench: power it on to run it hereMF-04·01

01Why it exists

One number, held honest

A bank balance tells you what's there right now. It doesn't tell you what's already spoken for — the rent that clears Friday, the card payment due next week, the subscription that renews before the next paycheck lands. Ballast puts every recurring bill on a real calendar and projects the balance forward, so "can I afford this today" has an actual answer instead of a guess.

02Parts list

  1. DashboardCurrent balance, monthly bills, monthly net income, and monthly surplus at a glance.
  2. 90-day projectionEvery bill and income event plotted forward, with the lowest projected balance flagged before it happens.
  3. Bills & calendarRecurring obligations tracked against their real due dates, not just a monthly total.
  4. Daily spend & analysisWhat's actually safe to spend today without breaking the projection.

03Construction

Built on

Vanilla JS, no backend, no account, no server to trust with the numbers. Everything is entered and stored locally, in the browser that's running it.

Vanilla JSLocal-firstNo serverNo account

04Tolerances

This is a personal budgeting tool, not a bank integration or a financial advisor. Balances and projections are only as accurate as what's entered — it doesn't see your actual accounts, and it won't warn you about anything it wasn't told about.

what it is not, said plainly

05Inscription

Ballast keeps the ship upright. Not the cargo — just the weight.

06The same room