COHESTAPRO

This is a personal strategic tool for planning liquidity reserves to manage both recurring expenses and future large-scale financial obligations. By scheduling major expenditures—defined by the number of months from the present—you can assess your "financial runway," or the duration your available funds can sustain operations. A spending curve visualizes month-by-month balances, cash burn, and planned outlays, enabling early detection of risks associated with a shrinking financial buffer. A stress-testing feature allows you to simulate scenarios—such as reduced income or increased expenses—to compare your financial resilience, while reserve tiers establish minimum, ideal, and advanced coverage targets. The system provides insights summarizing your financial health score, burn composition, coverage gaps, and seasonal cash flow pressures, empowering you to make informed strategic decisions. The interface uses blue to indicate balances and orange to highlight cash burn, facilitating a quick overview. With this tool, you can confidently navigate months of income-expense imbalances, ensure timely fulfillment of major financial obligations, and maintain a more robust personal financial strategy.