Protect $2,120 before optional moves
The low path falls $530 below the protected amount. Pause optional transfers until the gap clears.
Required bills and the starter reserve rank ahead of optional savings or debt payments.See Rubato plan around irregular income.
This interactive example requires no account and never connects a bank. Its fictional fixture uses Rubato's same exact-event ordering, weekly roll-forward, protected-floor and action-priority rules. Change the payment and inspect every path, guardrail, action reorder, and permanent on-page explanation.
Recalculated immediately
Change one payment. Watch the whole plan move.
Manual events stay exact. Low, base and high vary only the established irregular-income range; required outflows stay fixed.
Fictional payment controls
Delay or partially receive the invoice
Cash today$2,840
Protected amount$2,120
13-week low point$1,590
13-week income range$13,000–$13,900
13-week event paths
Every week recomputes
LowBaseHigh
W1
W2
W3
W4
W5
W6
W7
W8
W9
W10
W11
W12
W13
| Week | Dates | Low | Base | High | Required outflow |
|---|---|---|---|---|---|
| 1 | Aug 3–Aug 9 | $2,090 | $2,090 | $2,090 | $2,100 |
| 2 | Aug 10–Aug 16 | $2,640 | $2,790 | $2,940 | $1,600 |
| 3 | Aug 17–Aug 23 | $2,690 | $2,840 | $2,990 | $1,300 |
| 4 | Aug 24–Aug 30 | $1,890 | $2,040 | $2,190 | $800 |
| 5 | Aug 31–Sep 6 | $2,040 | $2,190 | $2,340 | $1,200 |
| 6 | Sep 7–Sep 13 | $1,940 | $2,240 | $2,540 | $800 |
| 7 | Sep 14–Sep 20 | $1,890 | $2,190 | $2,490 | $1,400 |
| 8 | Sep 21–Sep 27 | $1,590 | $1,890 | $2,190 | $300 |
| 9 | Sep 28–Oct 4 | $1,740 | $2,040 | $2,340 | $1,200 |
| 10 | Oct 5–Oct 11 | $1,940 | $2,390 | $2,840 | $500 |
| 11 | Oct 12–Oct 18 | $1,990 | $2,440 | $2,890 | $1,300 |
| 12 | Oct 19–Oct 25 | $1,990 | $2,440 | $2,890 | $0 |
| 13 | Oct 26–Nov 1 | $2,940 | $3,390 | $3,840 | $400 |
Ranked after every change
Action order
Act now
Confirm the $1,450 payment for 2026-08-11
The exact manual date is included in every path; changing it moves the cash curve without changing unrelated income assumptions.
A user-confirmed manual income event stays exact rather than being replaced by an optimistic estimate.Review the established retainer range
The three future retainer deposits use $700 low, $850 base and $1,000 high bounds.
Only recurring irregular income varies across paths; the manual payment and required outflows stay exact.Keep the extra Card A payment paused
No optional amount is released while the low path is below the protected amount.
Optional capacity is the low-path surplus above the protected amount, capped at $180 in this fixture.Always-visible audit trail
What changed and why
- 01The fictional $1,450 client payment starts four days late.
Rubato placed the exact payment on August 11, recalculated all 13 weekly balances, protected near-term bills and the starter reserve, then ranked the action queue.