Lifvia — Track your cash flow. Simulate your tomorrow.

Liquid Balance

Rs. 0

Wallets & banks

Total Income

Rs. 0

Savings Rate: 0%

Total Expenses

Rs. 0

0% of budget

Ready to Assign

Rs. 0

Envelope pool

Shared Split Net

Rs. 0

All settled up

Monthly Cash Flow (PKR)

Computed from your logged income and expenses

Income Expenses

Category Spending

Share of total expenses

Recent Transactions

Recurring Bills & Subscriptions

Import CSV

Date	Payee / Description	Category	Account	Amount (PKR)	Action

Rs. 0 Ready to Assign

Zero-based envelope budgeting: assign your income to category envelopes below.

Envelope Category	Assigned (PKR)	Activity (Spent)	Available	Utilization

Projected Cash Runway

12+ Months

Month 12 Projected Reserve: Rs. 0

Non-Destructive Sandbox Lifvia Forecasting Engine

"What-If" Life & Cash Runway Simulator

Simulate major life decisions (career move, relocation, major purchase) over the next 12 months using your real liquid balances (S₀) without modifying your actual accounts.

Life Variable Controls

Drag sliders or type exact amounts to test scenarios

Custom

Auto-Read Account Baseline 0 Accounts

Starting Liquid (S₀)

Rs. 0

Base Net Flow (F_base)

Rs. 0/mo

Monthly Income Change (incomeDelta) Promotion, new job, side business, or pay cut

-200k +Rs. 0 / mo +500k

Monthly Expense Change (expenseDelta) Higher apartment rent, new EMI, or cost cutting

-150k (Save) +Rs. 0 / mo +350k

One-Time Immediate Cost (oneTimeHit) Relocation deposit, vehicle purchase, medical/repair

Rs. 0 -Rs. 0 upfront 1,000k

Monthly Investment Shift (investmentShift) Extra cash moved from liquid into long-term wealth

Rs. 0 Rs. 0 / mo 250k

12-Month Cash Runway Assessment

12+ Months Reserve remains positive all year

Simulated Monthly Net Flow

Rs. 0 / mo

vs. current path

Month 12 Current Path

Rs. 0

Baseline[12]

Month 12 New Life Path

Rs. 0

Net difference: Rs. 0

12-Month Cash Reserve Projection

Comparing Current Path vs. Simulated New Life Path (Months 0–12)

Current Path New Life Path

Month-by-Month Trajectory (M1 – M12) Extra Invested (12m): Rs. 0

Month	Current Path	New Life Path	Variance	Runway State

Lifvia Financial Workspace

Signed Out Securely

Dashboard

Add Your First Bank Account or Wallet

Monthly Cash Flow (PKR)

Category Spending

Recent Transactions

Recurring Bills & Subscriptions

Rs. 0 Ready to Assign

Multi-Account Wallets & Banks

People & Net Balances

Shared Bills & Split Expenses

Savings Goals & Sinking Funds

Investments & Assets Portfolio

Recurring Bills & Subscriptions

"What-If" Life & Cash Runway Simulator

Life Variable Controls

12-Month Cash Reserve Projection

Lifvia Financial Workspace

Signed Out Securely

Add Your First Bank Account or Wallet

Monthly Cash Flow (PKR)

Category Spending

Recent Transactions

Recurring Bills & Subscriptions

Rs. 0 Ready to Assign

Multi-Account Wallets & Banks

People & Net Balances

Shared Bills & Split Expenses

Savings Goals & Sinking Funds

Investments & Assets Portfolio

Recurring Bills & Subscriptions

"What-If" Life & Cash Runway Simulator

Life Variable Controls

12-Month Cash Reserve Projection

Log Transaction (PKR)

Transfer Between Accounts

Add Shared Bill (Splitwise)

Add Item