I am not aware of any tool with the same name. I just found out about YNAB.com. I thougt the term YNAB is indeed broader used in the personal money management world. However my simple system does not assign income to a budget. It just answers the question, how much can I spend today, without fear of unsifficient funds at the end of the month. Since I went from 5 EUR a day to over 100 EUR a day in just a year, I thought it might be usefull for other people. If it is not for you. No problem. BTW no AI was involved in this. Anyway thanks for the response. I will think of a better name for this tool.