Loh-Friction Philosophy
Never budget manually again
Budgeting apps focus on looking backward. Automation engines look forward by routing cash at the moment of deposit, eliminating friction and making investment compounding automatic.
Where your paycheck goes
Automated Income Waterfall Simulator
Set where each paycheck lands, then watch what a different order is worth over ten years. No budgeting app and no spreadsheet to maintain.
What this calculator answers, what you need, and what to do with the result
Have this in front of you
- Your monthly take-home pay, after tax and deductions.
- Fixed costs: rent, debt payments, utilities, and the subscriptions you forgot.
- What your employer matches, and any debt above roughly 7% interest.
Words on this page, in plain English
- Waterfall
- The order money moves through your accounts. The order changes the result more than the amount does.
- Match
- The employer contribution you only get if you put in your own. Leaving it unclaimed is a pay cut.
What to do with the answer
- 01Fund the employer match first. Nothing else on the list returns 50-100% immediately.
- 02Clear any debt above 7% before investing beyond the match.
- 03Automate the order once, on payday, instead of deciding it monthly.
High-Fidelity Backtesting & AI Engine
System Flow Control
Macro FeedIndex 5000
Inflation2.0%
Day Count0 days
Wealth Projection$24,000
$
100%
Historical Trend Evolution
Daily variable logs over 30 days
Hover mouse over the chart to inspect daily balances
AI Assistant
LLM PoweredMarket & Scripting Rules
Conditional RunnerSavings Waterfall Order
Priority ConfigSweep Priority Order
System Audit Ledger & Console
Live Simulation Engine> System initialized. Waiting for simulation triggers.
Video walkthrough
Watch on YouTube
How to Build & Stress-Test an Emergency Fund
Watch how to configure automated liquidity sweeps and simulate emergency drawdown scenarios risk-free.
User Manual
How to run the simulator
- • Drag the accounts: Click a node such as Primary Checking and move its balance, its upper limit or its minimum. Double-click for the numbers behind it.
- • Set the route: Type it in plain words, such as "sweep 500 from checking to savings", or use the short form
checking hysa. - • Run it: Set your income and a scenario such as normal, high inflation or recession, then start the clock and watch the money move.
Related Article
The Blueprint Behind Giniloh Money Flow
Imagine taking control of your money flow without the usual spreadsheet headaches or second-guessing every move. That’s exactly what the Giniloh Money Flow Simulator delivers—a risk-free sandbox where you can test your smart money decisions in real time. Instead of hoping your bills line up, you automate cash flow pipelines that sweep surpluses toward debt, savings, or investments while underbalance pulls instantly prevent overdrafts. No more panic, no more guesswork. Based on the Loh-Friction Philosophy, this tool lets you simulate aggressive paydowns, emergency floors, even corporate treasury sweeps, and watch exactly how your money decisions play out before committing a single dollar. With built-in regulatory guardrails like Roth IRA penalty checks, the model stays realistic. Stop leaving your financial momentum on idle—start testing your strategies today and see your money flow work for you.
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