Sigil OneSee your whole financial life. Understand what matters. Make better decisions with it.Start my household The Morgan portfolio · fictional example
Income, bills, a subscription and a tight week before payday, with Merlin, rearrangement options, outside help, a saved decision, a family request and tax context.
The Morgan household · fictional
The same four holdings sit beside $850.00 of fictional checking, a $2,400.00 salary on 2026-09-25, rent, utilities and a subscription. Every figure below is computed by the real household modules from this labelled example. No account, provider or family member is contacted.
Step 1 · Merlin warning
Merlin · From your household records
Deterministic observations for 2026-09-16 through 2026-10-15. 2 present · 3 possible · 2 to know. Each one names the records and rule behind it. Merlin explains; it never invents facts.
Known scheduled cash reaches a projected gap of $285.00 in the episode beginning 2026-09-20, with the next expected inflow on 2026-09-25. Same-day receipt timing and incomplete records can change the result.
1 tax record still expected or needing review. 1 linked asset reference lacks an acquisition price or date, so any disposal would have an unsupported basis.
Outflows linked to this account exceed its known projected cash by $99.00 before same-day inflows. Cash in a different account is not automatically available here.
A member asked for a subscription. Approving records authority in the household forecast; nothing is purchased.
$49.00 in known subscription charges fall between 2026-09-16 and 2026-10-15. Pausing or cancelling can be modeled against the detected shortfall before anything is changed with a provider.
Detected conditions point to 4 assistance categories (local nonprofit, debt payment plan, housing, utility). Programs decide eligibility; Sigil only shows what may apply.
Visible records show 1 obligation with an unknown amount. Forecasts and detected conditions treat unknowns as unknown, never as zero, so filling these gaps changes what Sigil can tell you.
Deterministic rules over permitted household records, the cash-flow forecast, detected conditions, saved decision captures and authority state. No model-generated facts.
Scoped specialists
Specialists are deterministic explanation surfaces built from your Sigil records. They are not CPAs, attorneys, financial planners, or other licensed professionals, and they do not give personalized professional advice.
Known opening cash $850.00; 2 detected conditions through 2026-10-15.
Scope: Cash timing, bills, subscriptions, budget reserves and modeled responses.
Limits: Uses only recorded balances and schedules. It cannot see accounts you have not recorded and does not move money.
Sources: Household records, cash-flow forecast, detected conditions, saved household decisions.
2 tax records across 2026; 0 marked ready.
Scope: Tax-year readiness: expected documents, missing basis or evidence, and questions to bring to a CPA.
Limits: Explains gaps in your records. It does not compute liability, give tax advice, or file returns.
Sources: Tax records, asset references and their captured acquisition facts, household decisions.
2 stock, fund or metal references linked to this household.
Scope: Stock, fund and metal references linked to this household and what their evidence supports.
Limits: No market data or valuations. It reports what your holding records state.
Sources: Asset references and captured holding facts.
1 crypto reference linked; evidence status follows.
Scope: Crypto references, source evidence status and basis coverage.
Limits: Read-only source evidence is not proof of a purchase price. It never signs or moves assets.
Sources: Asset references, Bitcoin read-only source observations linked as evidence.
1 property reference and 1 housing-related recurring cost.
Scope: Property references and property-related recurring costs in the household picture.
Limits: No appraisal, mortgage or exclusion analysis. It connects property records to household cash flow only.
Sources: Asset references, bills categorised as housing or property tax.
4 assistance categories may be relevant to detected conditions.
Scope: Legitimate outside assistance that may be relevant to detected conditions.
Limits: It never determines eligibility or contacts a program. Location is only what you choose to enter.
Sources: Reviewed official directory, detected conditions.
Step 2 · Cash flow and the shortfall
Known scheduled cash reaches a projected gap of $285.00 in the episode beginning 2026-09-20, with the next expected inflow on 2026-09-25. Same-day receipt timing and incomplete records can change the result.
| Date | Record | Amount | State |
|---|---|---|---|
| 2026-09-18 | Fictional family subscription | − $49.00 | Recorded |
| 2026-09-20 | Fictional rent | − $900.00 | Recorded |
| 2026-09-21 | Fictional utilities | − $186.00 | Recorded |
| 2026-09-25 | Fictional net salary | + $2,400.00 | Recorded |
Step 3 · Rearrangement alternatives
Cancelling, pausing or requesting a due-date change is modeled here and would still have to be done with the provider. The restricted reserve stays excluded from available cash until its availability is confirmed.
Step 4 · Outside help that may be relevant
Checking the reviewed directory…
Step 5 · Save the household decision
Pick one of the three modeled responses above.
Step 6 · Family approval request
Step 7 · Tax preparation context
Fictional gold reference has no recorded acquisition price. A disposal cannot be reported with a supported basis until this is resolved. Fictional gold reference has no acquisition date, so holding period cannot be determined.
Questions for a CPA: Is the fictional relocation stipend taxable income?
Sigil One does not file federal or state tax returns. No authorized e-file provider integration exists in this product. Electronic filing would require an IRS-authorized e-file provider or software integration with its own credentials, approval and testing. This workspace prepares records and questions for a CPA or self-preparation and exports them; it makes no submission.Make it yours
Create a household, add one balance and one bill, and the same Merlin observations appear for your real records. Family members join by QR invitation and see only what you grant.
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