Abstract: A method for determining a state of personal finances includes establishing a personal finance code. The personal finance code includes amounts associated with a set of sources of income and amounts associated with a set of uses of funds. The personal finance code includes amounts associated with a set of asset categories. The set of asset categories include income producing assets, income consuming assets, and non-producing income producing assets. The method also includes determining a set of guidelines associated with the personal finance code. The set of guidelines is associated with at least one time period. In addition, the method includes deriving a comparison between the set of guidelines and a set of fiscal behaviors. The set of fiscal behaviors is associated with the at least one time period. The method further includes projecting the comparison over at least one subsequent time period to determine a projected effect.

Abstract: A method for determining a state of personal finances includes establishing a personal finance code. The personal finance code includes amounts associated with a set of sources of income and amounts associated with a set of uses of funds. The personal finance code includes amounts associated with a set of asset categories. The set of asset categories include income producing assets, income consuming assets, and non-producing income producing assets. The method also includes determining a set of guidelines associated with the personal finance code. The set of guidelines is associated with at least one time period. In addition, the method includes deriving a comparison between the set of guidelines and a set of fiscal behaviors. The set of fiscal behaviors is associated with the at least one time period. The method further includes projecting the comparison over at least one subsequent time period to determine a projected effect.

Abstract: The invention is directed to a personal financial management system and method for personal financial management. A user interface attached to a computer may interact with the user and/or financial institutions to acquire information regarding fiscal behavior and asset allocations and performance. These may be compared with budgetary guidelines. The budgetary guidelines may be determined from a personal finance code. The personal finance code may be a set of desired source and use of funds allocations, asset allocations, and future fiscal events. A comparison of the budgetary guidelines and the fiscal behavior may be projected and compared to the personal finance code to determine a state of personal finances.

Abstract: The invention is directed to a personal financial management system and method for personal financial management. A user interface attached to a computer may interact with the user and/or financial institutions to acquire information regarding fiscal behavior and asset allocations and performance. These may be compared with budgetary guidelines. The budgetary guidelines may be determined from a personal finance code. The personal finance code may be a set of desired source and use of funds allocations, asset allocations, and future fiscal events. A comparison of the budgetary guidelines and the fiscal behavior may be projected and compared to the personal finance code to determine a state of personal finances.