Pezeta Progress Log: Day 3

Today wrapped up the core data foundation with the Budget view model and spent time planning the goal allocation rules that’ll make this budgeting app different.

The aggregation layer

The Budget model pulls everything together. Give it a ledger and a month, and it calculates the current state of all categories, their allocated amounts, actual spending, and remaining balances.

This is just pure Ruby class that takes the foundational models and presents them in a way that makes sense to users.

Goal allocation rules

The bigger breakthrough today was finalizing the goal allocation rules. This is what’ll set Pezeta apart from traditional envelope budgeting.

Instead of managing dozens of budget categories, users define their financial goals—things they actually care about saving for. The app figures out how much to allocate to each goal and shows one simple number: how much is safe to spend on everything else. Goals run in the background while you focus on that single “Safe to Spend” amount.

I want to implement four goal types:

Someday: Save for something with no deadline—like a new laptop or vacation fund. Allocates the difference between target and current balance until you hit the goal.

Monthly: Keep a certain amount available each month—like rent or groceries. Tops up to the monthly amount, and any surplus stays there.

Deadline: Gather a lump sum by a specific date—like saving $3000 for a trip by July. Calculates how much to save each month based on time remaining.

Reserve: Maintain a minimum balance at all times—like an emergency fund. Only allocates money when the balance dips below the reserve amount.

Each follows different allocation formulas, but the key insight is the engine just calculates expected allocations—it never moves money automatically. That stays under your control.

The vision coming together

I’ve got a React prototype artifact built with Claude that demonstrates how this will look. We have a simple “Safe to Spend” number on top, goals running quietly in the background. I just created this to validate the UX approach, but it shows the vision clearly.