# Cash Calendar

> A visual personal finance application that transforms savings goals and personal budget control into an intuitive daily calendar grid.

Cash Calendar helps individuals build disciplined money-saving habits and maintain cash flow management by breaking down financial targets into realistic daily micro-goals using standard cash currency denominations ($1, $5, $10, $20, $50, $100, and $200).

## Core Capabilities
- **Flexible Time Horizons**: Configure savings challenges from 30 days (1 month), 90 days (3 months), 180 days (6 months), 1 year (365 days), 2 years, 3 years, 5 years, up to 10 years (3,650 days).
- **Custom Goal Amounts**: Pre-calculated savings tiers from $100 up to $1,000,000, with support for any custom whole-dollar goal.
- **Smart Denomination Algorithm**: Evenly distributes daily amounts while adjusting each day to realistic currency bills, guaranteeing that the sum of all days converges exactly to the target amount.
- **Visual Monthly Matrix**: Organizes daily allocations in monthly calendar pages with weekly and monthly subtotals.
- **Printable PDF Export**: Generates print-ready A4 landscape calendars for physical tracking and daily accountability.
- **100% Privacy by Design**: All mathematical processing executes client-side during the active session. No bank accounts, login credentials, or private financial records are stored or transmitted.

## Key URLs & Pages
- [Home & Calculator](/) - Main landing page, interactive savings duration selector, and goal configuration.
- [Savings Calculator Tool](/calculator.php) - Dedicated savings breakdown generator with live plan preview.
- [Cash Envelope Budget Calculator](/envelope-budget-calculator.php) - Interactive digital cash envelope allocation and daily velocity tool.
- [Frequently Asked Questions](/faq.php) - Core Q&A addressing methodology, durations, accuracy, and data security.
- [How It Works Guide](/guide.php) - Step-by-step user guide for executing daily savings challenges.
- [About](/about.php) - Background, mission, and methodology of Cash Calendar.
- [Full LLM Context](/llms-full.txt) - In-depth technical context, mathematical formulas, and complete specification.

## Primary Use Cases
- **Daily Budgeting**: Replacing complex spreadsheets with a simple checklist of daily cash allocations.
- **Medium & Long-Term Milestones**: Structuring emergency funds (3–6 months), house down payments (2–5 years), and retirement or wealth milestones (up to 10 years).
- **Cash Envelope System Modernization**: Providing a digital-to-print calendar for envelope budgeting.