Spendings

Some terminology I like to use:

1. Flow represents the equivalent value of money.
2. Income represents a positive flow.
3. Debt represents a negative flow.
4. Loan represents a variance in flow.
5. Loan In represents a positive flow variance.
6. Loan Out represents a negative flow variance.
7. Goal represents a boundary used for flow control.
8. Balance represents a calculus used in flow control.
9. Spending represents an exchange of flow for an object with the equivalent value.
10. Saving represents a flow that was not exchanged according to schedule.
11. Reserve represents a flow retained for a later schedule. 

Now, let's show some formulas:

• Income Balance = add all corresponding subcategories with positive values 

• Debt Balance = add all corresponding subcategories with positive values

• Loan In Balance = Loan From + Return To, where
• Loan From = add all corresponding subcategories with positive values
• Return To = add all corresponding subcategories with negative values

• Loan Out Balance = Return From + Loan To, where
• Return From = add all corresponding subcategories with positive values
• Loan To = add all corresponding subcategories with negative values 

• Spending Balance = add all corresponding subcategories with positive values

• Reserve Balance = add all corresponding subcategories with positive values

• Available Flow = Income Balance – Debt Balance – Loan In Balance + Loan Out Balance – Spending Balance – Reserve Balance

• Normal Goal = (Available Flow + Spending Balance) / Month Days, where
• Month Days = the number of days in the corresponding month 

• Median Goal = Spending Balance / Today, where
• Today = the number of days since the beginning of the corresponding month including the present day 

• Future Goal = Available Flow / (Month Days – Today) 

• Today Goal = (Available Flow + Spending Balance Today) / (Month Days – Today + 1), where
• Spending Balance Today = Spending Balance for the day that has Today value 

• Available Today = Today Goal – Spending Balance Today 

• Savings = (Normal Goal – Median Goal) * Today; a negative value is considered overdraft.