Noetis Budget Planning · Personal engine for app builders
Household Budget Planning Engine
Builds a household cash flow and savings plan from supplied transactions.
Answers: "Can an app draft a cash flow plan from figures a user supplies?" For households.
Not financial advice. Totals are restated, not computed by a verified calculation tool.
Available today
ImplementedImplemented: runs on the shared runtime with supplied material. One bounded development check on 2026-10-12 took 107.9s with 13 model calls and ended "incomplete". That is a development signal, not an evaluation. Customer access is by approved account.
What you send
- Question
- Supplied text material
- Text material up to 150,000 characters per run
What comes back
- Household cash flow and savings plan.
- Findings with the located quote and a support status from claim review
- Release status: released, incomplete with reasons, or failed
- Executed roles, usage and measured cost
Sample
Authored illustration. Written by Encevra to show the workflow. Not customer data and not a recorded model output.
Build a savings plan from my monthly figures.
Income $4,200 after tax. Rent $1,450, groceries $600, transport $220, subscriptions $95, dining $380, utilities $180. Goal: save $6,000 for an emergency fund within 12 months.
- A draft monthly cash flow from the supplied figures
- Months where outgoings exceed income
- Figures the user should double check
The real response shape is documented in the API reference.
How the workflow operates
Each role is a responsibility in the workflow, served by a third party language model. More roles are not automatically better; depth and routing decide which run.
Built with
Models this engine uses: OpenAI (GPT), Anthropic (Claude). Specialists run on OpenAI models and the claim review and final brief on Anthropic models. If a provider has a temporary failure, the step can fall back to an OpenAI model, and the run records that.
Transaction Organizer
Categorize supplied transactions.
Cash-Flow Calculator
Total income and spending, showing every operand.
Scenario Analyst
Explore the person's own assumptions.
Plan Reviewer
Check the plan is feasible against the measured cash flow.
Evidence and deployment
Evidence
This engine reads the text you send in the request. Each released finding carries the exact quote and its character span in that text, located mechanically before release. Quotes that cannot be located are labelled Insufficient evidence and never shown as source verified. Interpretation is reviewed as a separate step, and gaps such as a missing clause describe what was searched instead of citing text that is not there.
Deployment
Runs on Encevra hosted infrastructure using the third party models listed above. Every model call and fallback is checked against the deployment policy first. Private cloud and air-gapped deployment are planned; discuss deployment requirements.
What it does not handle
- Investment recommendations
- Business financial reporting (use Noetis Finance)
- Uses only supplied material. No freshness guarantee beyond the documents provided.
- Required for every output during trials.
How to integrate
Send "engine": "budget-planning" with your question and material from your server. Keys stay server side.
How to evaluate it
No published result for this workflow yet. Build a small answer key from your own work and compare against a strong single model baseline. See the evaluation checklist and method.
Cost and rights: pricing and licensing. Showing outputs to your own customers needs a written agreement.
Related engines
Content reviewed 2026-10-12 by the Encevra engine team. Engine version 0.1.0 on noetis-core-1.