Financial health for household decisions · UAE
See the consequences before you decide.
Almanac holds your household's whole position — what you hold, what you owe, and what you are working towards — so you can test a commitment against all of it before you make it. Every figure is calculated by a deterministic engine, never generated.
Ask Almanac
Almanac is in closed testing. Tell us the decision you are weighing and we will open the household trial to you first.
Android beta · example household
One question, one stated consequence
You ask in plain language. The engine answers in figures it can defend.
Since you last looked
Aug 03
Cover fell below your three-month floor.
Earlier
Aug 09
Can we afford a car at 1,400 a month?
It fits 700 of your capacity; the other 700 comes out of a goal.
Aug 04
Spending is 380 under its usual pace.
Nothing here tells you what to do. It shows you what would follow — and it keeps the answer, so the household has a record rather than a memory.
Why this isn't a budgeting app
Every other category answers a question about the past.
How the figures are made
They cannot be hallucinated, by construction.
Calculated, not generated
A deterministic engine computes every figure in integer minor units. No model output is ever treated as a number, a state, or a source of truth.
Language, bounded
Models do one job: turning your typed question into structured terms, and phrasing a result the engine already produced. They are barred from the arithmetic.
Private by architecture
Strict data minimisation, encryption in transit and at rest, and row-level isolation between households. Read the commitment →
Where the product is
Built, running, and about to meet its first households.
Android beta — running on device, backed by a deployed service.
Bank SMS capture — supported incoming UAE bank alerts are captured and parsed on-device.
Open finance — engineered for connected accounts under explicit consent; production access subject to provider onboarding.
Multi-currency — overseas mortgages, remittances and foreign-currency goals converted at pinned reference rates.
Next — closed external household testing, ahead of a UAE launch.
Who is building it
Almanac is built by Graham Stewart.
Thirty years of cost engineering and project controls on major programmes — the discipline of modelling what a commitment will cost before anyone signs it. Almanac applies the same method to a household.