A personal-finance engine built on deterministic geometry. Your treasure finally has a shape. Your money becomes topology. Structure enforces discipline.
Caddy helps you "manage your money." It reveals its structure. Every dollar is placed into one of six deterministic accounts, each with a defined purpose, yield behavior, and boundary. Misallocation becomes mathematically impossible because the topology itself refuses to express it.
Your countdown surface. The buffer that protects every other account. Immutable. Non-negotiable. The foundation.
Operational capital for the present moment. No drift, no leakage. Pure consumption velocity. What you spend today.
Yield-bearing capital with deterministic inflow rules. Compounding on real assets. Your future becoming present.
Future obligations expressed as geometric constraints. Promises locked in. Debt and agreements quantified.
Discretionary energy that cannot cannibalize your future. Permission to spend. Guilt-free experimentation.
Excess capital routed automatically once all surfaces are satisfied. Abundance expressed geometrically.
Every transaction is a geometric proof. Valid if it respects the topology. Rejected if it violates the structure. The system enforces discipline without requiring willpower. Math, not motivation.
Mathematically Enforced: Flows between accounts follow strict budget rules. No transaction can exist outside the topology.
Impossible to Misallocate: The topology prevents breaches before they occur. You cannot accidentally violate your own budget.
Always Yield-Aligned: Growth surfaces earn on real capital, no vibes. Every yield is accounted for, routed, bounded.
Traditional budgeting collapses everything into a single budget. Caddy restores structure. It makes your financial physics visible, predictable, and sovereign. The structure is the security.
You don't need willpower. You need geometry.