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Decision lab

Weigh a decision before you make it.

Salli computes each option, your agent explains them, and you decide.

Five steps, from baseline to review.

STEP 1 Baseline Your money as of a day STEP 2 Options Each one a scenario STEP 3 Compare Sensitivity, break-evens and your principles STEP 4 You decide With your agent’s help, if you like STEP 5 Record, review Your reasons, then what happened STEP 1 Baseline Your money as of a day STEP 2 Options Each one a scenario STEP 3 Compare Sensitivity, break-evens and your principles STEP 4 You decide With your agent’s help, if you like STEP 5 Record, review Your reasons, then what happened

Templates

Seven common decisions, ready to weigh.

Each asks a few questions and builds the options; it never invents a figure about your money.

afford-it Afford it A price, and how you might pay Pay cash Spread it Wait and save debt-or-invest Debt or invest Once, or every month Pay down Invest it Split windfall Use a windfall or surplus Two to five ways, all your own Split 1 Split 2 … up to 5 big-change Big recurring change A new flat, a new job, a car As things are The change borrow Borrow or refinance One to four loans, side by side Each loan Don’t borrow emergency-fund Emergency fund And when cash covers your target As things are Set aside X a month rent-or-buy Rent or buy And when buying draws level Keep renting Buy, with each mortgage afford-it Afford it A price, and how you might pay Pay cash Spread it Wait and save debt-or-invest Debt or invest Once, or every month Pay down Invest it Split windfall Use a windfall or surplus Two to five ways, all your own Split 1 Split 2 … up to 5 big-change Big recurring change A new flat, a new job, a car As things are The change borrow Borrow or refinance One to four loans, side by side Each loan Don’t borrow emergency-fund Emergency fund And when cash covers your target As things are Set aside X a month rent-or-buy Rent or buy And when buying draws level Keep renting Buy, with each mortgage

The templates salli decide, in the CLI

The emergency-fund template

When would cash cover nine months?

16,000 17,000 18,000 2026-102026-112026-122027-012027-022027-032027-042027-052027-062027-072027-08Cash at each month’s end Target 17,084.88 As things are Never Now: 15,801.47, 8.32 months Set aside 500.00 a month: 2027-01 Set aside 200.00 a month: 2027-05 Target 17,084.88 Set aside 500.00 a month: 2027-01 Set aside 200.00 a month: 2027-05 As things are: never 16,000 17,000 18,000 2026-102027-032027-08Cash at each month’s end Now: 8.32 months 2027-01 2027-05
The lines are Salli’s engine’s cash at each month’s end for salli-core’s golden test household, as of 2026-10-11, in EUR and today’s money, with a principle of nine months of essentials and all of its surplus invested (a placeholder). The target, the months now and both months reached are asserted in the golden templates test.

The rent-or-buy template

When would buying draw level with renting?

From your price, deposit, mortgages, costs and rent, it reads that month and the house-price growth at which the answer turns.

BUYING LESS KEEPING RENTING, AT EACH MONTH’S END, NZD Buy Keep renting −5,000 +5,000 0 2031-062031-092031-122032-032032-06 −5,000.00 at the end of 2031-07 The home at its value less 3% selling costs Level from 2031-12 THE HOME’S GROWTH, A YEAR 0% beyond inflation Placeholder THE BREAK-EVEN −3.42% Buying ends the year level at this growth or more EVERY ANSWER NOTES Growth is your view, never a forecast A home is one illiquid asset Salli knows no local property market BUYING LESS RENTING, NZD AT EACH MONTH’S END Buy Keep renting −5,000 +5,000 0 2031-062031-122032-06 −5,000.00, end of 2031-07 Level from 2031-12 The home at its value less 3% selling costs THE HOME’S GROWTH, A YEAR 0% beyond inflation Placeholder THE BREAK-EVEN −3.42% Buying ends the year level at this or more EVERY ANSWER NOTES Growth is your view, never a forecast A home is one illiquid asset Salli knows no local property market
Test data The line is Salli’s engine’s net worth for buying less keeping renting at each month’s end, over one year, on salli-core’s renting test household in NZD: a 200,000.00 home, 50,000.00 down, 150,000.00 at 0% over 120 months, 3% selling costs and rent of 1,000.00. Every figure written on it is asserted in the rent-or-buy golden test.

Rent or buy The break-evens

A worked example

A bonus: pay off the loan, or invest?

Below a 4.51% real return, paying off the 4.5% loan ends ahead; from 4.51%, investing does.

1,000 2,000 3,000 4,000 5,000 2%3%4%5%6%7%Real return a year, after inflation ← Paying down ends ahead Investing ends ahead → Break-even 4.51% The loan costs 4.5% Invest Pay down At a 4% return Invest 2,404.72 Pay down 2,558.51 ← Pay down ahead Invest ahead → Invest Pay down 1,000 2,000 3,000 4,000 5,000 2%3%4%5%6%7%Real return a year, after inflation Break-even 4.51% The loan costs 4.5% At 4%: invest 2,404.72, pay down 2,558.51
Net worth after ten years against the baseline, in EUR, for a 5,000.00 bonus on salli-core’s golden test household, computed by Salli’s scenario engine.

Tax-aware scenarios

What you keep, by your own tax rules.

Tag an amount with its tax role: Salli runs each year through your active rules and spreads the change in tax over its months.

THE CHANGE A raise of 1,000.00 a month From Jul 1, 2031, before tax tax_role: salary YOUR ACTIVE RULES XA 2031 Fictional test rules, active 12,000 relief, then 20% and 40% 2031’S TAX, NZD Before the raise 7,200.00 With the raise 8,800.00 Change 1,600.00 Spread from July EACH MONTH OF 2031, NZD Kept, after tax Tax: the 1,600.00, spread The raise, before tax 2032 has no rules of its own: XA 2031 carried forward, labelled, a change of 4,000.00. 1,000.00 before tax 733.33 Jul 266.67 733.33 Aug 266.67 733.33 Sep 266.67 733.33 Oct 266.67 733.33 Nov 266.67 733.35 Dec 266.65 THE CHANGE A raise of 1,000.00 a month From Jul 1, 2031, before tax tax_role: salary YOUR ACTIVE RULES XA 2031 Fictional test rules, active 12,000 relief, then 20% and 40% 2031’S TAX, NZD Before the raise 7,200.00 With the raise 8,800.00 Change 1,600.00 Spread from July EACH MONTH OF 2031, NZD Jul 733.33 266.67 Aug 733.33 266.67 Sep 733.33 266.67 Oct 733.33 266.67 Nov 733.33 266.67 Dec 733.35 266.65 Kept, after tax Tax: the 1,600.00, spread 2032 has no rules of its own: XA 2031 carried forward, labelled, a change of 4,000.00.
Test data XA 2031 is a fictional rule set, and every figure here is asserted in salli-core’s golden tax scenarios test, in NZD, the test household’s currency.
  • Only your active rules compute
  • No active rules: it runs before tax, and says so
  • Your AI tags the amount, never works out the tax
  • Cash, the FI month and break-evens, after tax

Tax in scenarios The worked example

Your own holdings

Sell from your own lots, and see the gain’s tax.

A sale works out its gain from your actual lots, oldest first unless you name them, and your own rules tax it.

YOUR HOLDING My index fund Linked to Brokerage Lot 10 × 100.00 Fees 5.00 Cost 1,005.00 THE SALE 4 units at 150.00 First in, first out Proceeds 600.00 Fees 2.00 Cost, 4 of 10 402.00 THE REALISED GAIN 196.00 600.00 − 2.00 − 402.00 From your own lot, in NZD TAXED BY XA 2031 tax_role: gains 5.60 a month for 7 months Before 7,200.00 With the sale 7,239.20 Change 39.20 YOUR HOLDING My index fund Linked to Brokerage, in your ledger Lot, 10 × 100.00 + 5.00 fees Cost 1,005.00 THE SALE 4 units at 150.00 First in, first out; 2.00 fees Proceeds 600.00 Cost, 4 of 10 402.00 THE REALISED GAIN 196.00 600.00 − 2.00 − 402.00, in NZD TAXED BY XA 2031 tax_role: gains 5.60 a month for 7 months The year’s tax 7,200.00 → 7,239.20 Change 39.20
Test data XA 2031 is a fictional rule set, and every figure here is an input or an assertion of salli-core’s golden holdings test, in NZD.
  • Your ledger stays the one source A mismatch is noted, never fixed silently
  • One real return Never a security’s forecast price
  • Your AI may mention your holdings Its prompts ask it never to suggest or compare securities

Holdings in scenarios The worked example The prompts and your AI

Consequences, never a verdict.

  • Never ranks your options
  • Never touches your books
  • Shows every assumption it used
  • Same inputs, same figures

Principles, journal, reviews

Your rules, your reasons, and what happened.

Salli checks each option against your principles, keeps what you decided, and later sets it against what happened.

YOUR PRINCIPLES Six months of essentials in cash emergency_months >= 6 EACH OPTION Keeps Breaks ? Can’t tell THE JOURNAL QUESTION Change anything? CHOSEN Keep as is REASONS “It works.” REVIEW ON 2026-09-30 HASH sha256:… Can’t be edited or deleted THE REVIEW At 2026-09-30, in EUR PROJECTED ACTUAL DIFFERENCE Cash 13,466.20 17,852.46 4,386.26 Spending a month 2,040.14 2,040.69 0.55 YOUR REFLECTION “It did.” YOUR PRINCIPLES Six months of essentials in cash emergency_months >= 6 EACH OPTION Keeps Breaks ? Can’t tell THE JOURNAL QUESTION Change anything? CHOSEN Keep as is REASONS “It works.” REVIEW ON 2026-09-30 HASH sha256:… Can’t be edited or deleted THE REVIEW At 2026-09-30, in EUR Cash Projected 13,466.20 Actual 17,852.46 Difference 4,386.26 Spending a month Projected 2,040.14 Actual 2,040.69 Difference 0.55 YOUR REFLECTION “It did.”
The principle is an example from the docs; the entry and its review are from salli-core’s golden review test, decided as of 2026-08-11, with the hash cut short.
  • Never edited or deleted
  • A hash anyone can recompute
  • Exports as JSON or Markdown
  • Your agent asks before it records

Principles and the journal The scenario docs The design and its phases

Your digest

What is waiting, never what it is about.

Opt in, weekly or monthly at your own hour: at most one a period, sent by your server’s own sender.

Digest · 2026-W42 Test data

Subject Salli: what is waiting, week of 2026-10-12

What is waiting for you in Salli, as of 2026-10-12:

  • 1 decision ready for review (since 2026-10-05)
  • 1 reminder due on 2026-10-14
  • 1 filing deadline on 2026-10-20
  • Your cash forecast goes below zero on 2026-11-02

Open Salli to see them: https://money.example.org

You asked for this digest every week. To change it or turn it off: salli notifications set

What salli-core’s server built for a test person on Monday 2026-10-12, 09:30 in Lisbon, from the CLI’s notifications fixture. Restyled; nothing added.

Never in a digest

  • An amount or a balance
  • A name: an account’s, a payee’s, a reminder’s
  • A decision’s question, or a note
  • Anything else from your ledger, or your email
  • A streak, a countdown or an urgent word

The privacy test Digests, and plugging in a sender

With your agent

Think it through, in six steps.

Your agent asks and explains, Salli computes each option, and the choice stays yours.

STEP 1 Ask What you weigh and what matters STEP 2 Build The options, from a template STEP 3 Compare Sensitivity and your principles STEP 4 Explain Salli’s figures, assumptions named STEP 5 Break-evens What would change the answer STEP 6 You choose Recorded only after your yes STEP 1 Ask What you weigh and what matters STEP 2 Build The options, from a template STEP 3 Compare Sensitivity and your principles STEP 4 Explain Salli’s figures, assumptions named STEP 5 Break-evens What would change the answer STEP 6 You choose Recorded only after your yes

What the prompts ask of your agent

  • Quote only Salli’s figures
  • Name no product or provider
  • A licensed professional for regulated advice
  • Say which of your principles each keeps

The prompts and your AI