features. all of them.

simulation

the core thing bungus does

  • ●runs hundreds of monte carlo scenarios of your financial future
  • ●three chart modes: lines (percentiles), bands (confidence ranges), traces (every individual path)
  • ●streams results live. no spinners. watch the fan chart build in real time
  • ●6-month horizon by default, 200 runs per simulation
  • ●three dimensions of uncertainty sampled per run: date, amount, exchange rate
  • ●risk of ruin: the % chance you go negative at any point. color-coded
  • ●percentile bands (P5, P25, P50, P75, P95) for each future day
  • ●scheduled event overlay: hover any day to see exactly what bills and income hit
  • ●summary stats: median ending balance, worst case, risk percentage

recurring transactions

bills the way they actually work

  • ●fixed amounts, variable amounts, or learned from your history
  • ●six distributions: normal, lognormal, uniform, beta (biased low/mid/high)
  • ●timing uncertainty: exact, approximate, or hazard-rate models (flat, increasing, decreasing)
  • ●business day adjustments: previous/next/closest business day, weekday shifts
  • ●US federal holiday calendar built in
  • ●settlement delays (T+N business days for ACH, wire, etc.)
  • ●late fee modeling: flat, percentage, per-day flat, per-day percentage
  • ●grace periods before late fees kick in
  • ●versioning: edit creates a new version. old rates stay for history, new one takes over
  • ●schedules: weekly, biweekly, monthly, semi-monthly, custom RRULE, or inferred from history
  • ●human-readable descriptions ("every other Friday", "1st and 15th")
  • ●step wizard UI: basics, schedule, amount, timing

plans

test drive your life decisions

  • ●model major life events: moving, job changes, weddings, going freelance
  • ●four action types: modify a bill, end a bill, create a new one, or add a one-time cost
  • ●feasibility analysis: screens every combination of active plans
  • ●fast screening pass then detailed refinement with more runs
  • ●ranks combos by risk of ruin and ending balance
  • ●identifies blockers (plans that sink you) and enablers (plans that help)
  • ●plan dependencies: one plan can require another (e.g. freelancing needs the cheaper rent first)
  • ●mutual exclusivity groups: only one plan per group can be active
  • ●streams feasibility results live as they compute

accounts and transactions

the boring stuff that makes everything else work

  • ●six account types: checking, savings, credit card, investment, loan, other
  • ●11 currencies: USD, EUR, GBP, CAD, AUD, JPY, CHF, CNY, INR, BRL, MXN
  • ●cross-currency transactions with exchange rate and FX fee tracking
  • ●OFX/QFX bank file import with automatic dedup
  • ●auto-categorization via filter rules (exact match, prefix, contains, regex)
  • ●conflict resolution UI for ambiguous imports
  • ●balance reconciliation on import
  • ●22 transaction categories
  • ●search with trigram indexing
  • ●infinite scroll pagination

dashboard

where you actually look at your money

  • ●unified chart: historical balance stitched with simulation projection
  • ●today reference line and zero (insolvency) line
  • ●rich tooltip on hover with scheduled events, emoji, amounts, and cash position
  • ●account cards at the bottom: green border for assets, orange for debt
  • ●slide-over panels for accounts, transactions, recurring, plans, settings
  • ●simulation progress indicator while streaming
  • ●re-runs automatically after any mutation

cash tracking

the big number

  • ●total assets, total liabilities, net position
  • ●daily snapshots with per-currency breakdown
  • ●90-day trend chart
  • ●account type allocation pie chart
  • ●30-day change percentage
  • ●exchange rate sync with historical backfill

multi-currency

for the internationally confused

  • ●each account denominated in its own currency
  • ●exchange rate uncertainty modeled via geometric brownian motion
  • ●annualized volatility parameter per currency pair
  • ●each simulation run samples its own FX rate path
  • ●historical rate storage and sync
  • ●per-currency decimal formatting (JPY = 0 decimals, USD = 2)

convinced yet?

all of this is free. seriously.

get a bungus