Architecture & Principles
How Almanac Works
What is a Consequence Engine?
A consequence engine models the ripples of proposed commitments across all household obligations and goals before you commit. While traditional personal finance tools track past transactions, Almanac evaluates whether signing a lease, taking a vehicle loan, or increasing remittances will compromise your emergency cover or delay long-term milestones.
How does deterministic calculation work?
Every calculation is computed by a strict financial logic engine operating in exact minor integer currency units. Language models are strictly limited to intent intake and structured representation; they are mathematically barred from performing calculations or fabricating financial outputs.
How does bank transaction intake work in the UAE?
On our Android beta, Almanac parses incoming transaction SMS alerts from UAE financial institutions entirely on-device. No transaction credentials, message bodies, or merchant descriptions leave the device unencrypted. We also support open banking aggregators under explicit household consent.
What is "Cover"?
Cover measures how many whole months your unencumbered liquid cash reserve can support your household life cost (Committed Obligations + Baseline Living Spend) if all income ceased. It gives you an unambiguous safety floor.
Does Almanac provide financial advice?
No. Almanac does not originate prescriptive advice or tell you what choices to make. It evaluates consequences deterministically and records the decisions you file, leaving complete decision authority with the household.