Debt-free on
14 Mar 2029
38% paid down · avalanche order · 31 payments left
Atlas
A deterministic finance engine. It does the arithmetic on money you actually have, and tells you how sure it is.
Atlas Personal
Paycheck by paycheck: what's committed, what's safe to spend, and the date the debt is actually gone. A schedule you can check, not a rule of thumb.
$1,240
safe to spend today
Open Personal →
Atlas Business
Bookkeeping for restaurants, computed from your own categories — never QuickBooks'. Sales, labor, payroll and balances arrive on their own.
55.5%
prime cost, month to date
Open Business →
What it works out
Not a feed of your transactions — answers. Every one of these is arithmetic on your own numbers, recomputed the moment anything moves.
Next paycheck, 5 Sep
$3,330
Bills $1,530 · debt $730 · buckets $600 · free $470
Can I afford $2,400 today?
Yes
Rent still lands on the 1st, and the payoff date doesn't move.
Payroll debit · Thu 27 Aug
$88,880projected
7 of 14 days measured. The money leaves the day before the cheque.
Labor
31.1%
of net sales · wages, employer taxes and the 1099 kitchen together
Going out, next 30 days
$122,220
Bills $63,550 · loans $28,110 · recurring $30,560
Sales vs deposits
+$1,110
What the POS rang up, against what actually hit the bank.
Cash runway
9.4 weeks
Every scheduled bill, the payroll debit and the day-to-day burn, walked forward.
Every figure on this page is invented — the repeating digits are the tell.
Net sales, last 14 days
Darker is busier. Every bar is labelled, because colour alone is never the encoding.
9101112131415
16171819202122
No AI in the arithmetic
Models read text and propose labels. Dates, amounts, cadences and totals are arithmetic, and the arithmetic is the engine's — same inputs, same outputs, every time.
What arrived, never what's assumed
A missing day is named, not filled in. Atlas keeps a receipt for every feed, so “it stopped sending” and “it sent nothing” can't be confused — they need opposite fixes.
You outrank the machine
Every automatic verdict can be overridden, and the override is recorded as yours. A judgement you made is never quietly replaced by one a model made later.
One engine, two products. Your figures are encrypted per tenant and never leave it.