The Morgan portfolio · fictional example
See the whole financial life on one page.
Known position, cash, obligations, holdings, one rental property, tax readiness and Merlin's attention items, compared with the previous day's observation.
The Morgan household · fictional Financial Pulse
One page for the whole financial life, compared with yesterday.
Known position, available cash, obligations, four holdings, one rental property, tax readiness and Merlin's attention items come from the same derivation your own dashboard uses. Fictional example. Nothing here is stored, priced live or connected to an account. Every link below continues into your own workspace.
Financial Pulse · Morgan household (fictional)
Projected short by $99.00 around 2026-09-20.
Known scheduled cash goes below zero in the episode beginning 2026-09-20; the next expected inflow is 2026-09-20. Unknown amounts are excluded, never treated as zero.
Merlin · Since your last review
Since your 2026-09-15 review: Known financial position up $4,140.00 (+1.6%); Available cash down $360.00 (-29.8%); Lowest projected cash point down $360.00 (-137.9%).
Merlin · What deserves attention
3 of 10 things to look at first.
3 present · 5 possible · 2 informational. Deterministic observations from your records for 2026-09-16 through 2026-10-15; each carries its basis and a direct action.
- Present
Projected cash now dips below zero
The lowest projected cash point moved from $261.00 at your 2026-09-15 review to -$99.00 now (-137.9%). Records you changed and dated balances explain the difference; the forecast still treats unknown amounts as unknown.
Open cash flowBasis (3)
- Prior low $261.00 (2026-09-15)
- Current low -$99.00 (2026-09-16 to 2026-10-15)
- Rule: 25% move or a zero crossing
- Present
Projected cash timing shortfall
Known scheduled cash reaches a projected gap of $99.00 in the episode beginning 2026-09-20, with the next expected inflow on 2026-09-20. Same-day receipt timing and incomplete records can change the result.
Compare responsesBasis (3)
- Rule shortfall over 4 record versions
- Condition dated 2026-09-20, $99.00
- Coverage incomplete: unknown amounts or balances could change this.
- Present
Tax preparation has open items
1 linked asset reference lacks an acquisition price or date, so any disposal would have an unsupported basis.
Open tax readinessBasis (1)
- Fictional gold reference: no acquisition price, no acquisition date
Show 7 more observations
- Cash may be short in Fictional household checking. 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. Compare responses →
- BTC is 74% of your known liquid assets. BTC accounts for 74.3% of known liquid assets ($68,650.00: known cash plus valued held lots). This describes exposure, not a recommendation. Review holdings →
- 2 obligations are large next to the rest. Ranked by amount: 1. Fictional Cedar House mortgage payment $1,500.00; 2. Fictional rent $900.00. Each is at least twice the median of the other distinct upcoming obligations. Size alone does not make a charge wrong; review the largest first. Review the largest obligations →
- 1 household request await review. A member asked for a subscription. Approving records authority in the household forecast; nothing is purchased. Review requests →
- 1 active subscription worth reviewing. $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. Model a pause or cancellation →
- Outside help may be relevant. Detected conditions point to 3 assistance categories (local nonprofit, debt payment plan, housing). Programs decide eligibility; Sigil only shows what may apply. See resources that may be relevant →
- The household picture has gaps. 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. Fill in the unknown amounts →
Deterministic rules over permitted household records, the cash-flow forecast, detected conditions, saved decision captures and authority state. No model-generated facts. 2 recurring observations from reference prices, stored observations and property state.
Recurring rules (8)
- Market move: a reference price moved at least 5% since the last stored observation on a previous day.
- Concentration: one position is at least 40% of known liquid assets (known cash plus valued held lots).
- Liquidity change: the lowest projected cash point moved at least 25%, or crossed zero, since the prior observation.
- Recurring-cost growth: monthly bills plus subscriptions grew at least 10% since the prior observation.
- Property change: property equity or its cash-flow contribution changed since the prior observation.
- Property incomplete: a recorded property lacks an entered value, loan balance, or linked income and costs.
- Stale market context: a reference feed is unavailable or its last on-chain update is beyond its heartbeat.
- Price assumption drift: a modeled sale price differs from the current reference price by at least 15%.
Missing information
4 facts would sharpen this picture.
Unknown stays unknown. Sigil never fills a gap with zero, so each of these changes what it can tell you.
1 record without an amount
Why Sigil needs it: Fictional insurance amount to confirm: unknown amounts are left out of totals rather than counted as zero, so the outlook is incomplete.
What it unlocks: A complete household outlook with every obligation and balance counted.
Fill in the amountsA budget period matching 2026-09-16 to 2026-10-15
Why Sigil needs it: Budget targets exist but no period aligns with this window exactly, so unallocated cash cannot be stated.
What it unlocks: Unallocated cash after commitments and allocations.
Add a budget period1 held lot without acquisition basis
Why Sigil needs it: A disposal cannot be reported with a supported basis, and projected gain cannot include these lots.
What it unlocks: Tax readiness and decision modeling for those holdings.
Add acquisition basis2026 tax documents
Why Sigil needs it: Listing the documents you expect keeps readiness honest before they arrive.
What it unlocks: Tax readiness tracking and a CPA-conversation export.
Add a tax record
Have a bank, bill or income export? Import and review it as household records. CSV rows become records only after your review.
Household cash flow
Projected short by $99.00
Known scheduled cash goes below zero in the episode beginning 2026-09-20; the next expected inflow is 2026-09-20. Unknown amounts are excluded, never treated as zero.
- Expected income in window$4,600.00
- Known obligations in window$2,635.00
- Monthly income$4,600.002 sources
- Monthly bills$2,586.004 bills
- Monthly subscriptions$49.001 subscription
- Detected conditions42 open items could change this
Coming up
- Fictional family subscription2026-09-18 · subscription−$49.00
- Fictional tenant rent, Cedar House2026-09-20 · income+$2,200.00
- Fictional rent2026-09-20 · bill−$900.00
- Fictional utilities2026-09-21 · bill−$186.00
- Fictional Cedar House mortgage payment2026-09-22 · bill−$1,500.00
- Fictional net salary2026-09-25 · income+$2,400.00
Budget
Targets recorded, period incomplete
$1,615.00 / month
Monthly income minus bills, subscriptions and planned targets.
2 budget targets recorded, but no budget period matches this window exactly, so unallocated cash cannot be stated.
- Flexible allowances$250.00
- Savings goals$100.00
- Fixed targets$0.00
Assets
4 open-lot records
$67,800.00
Known value of held positions: $0.00 at public reference prices plus $67,800.00 at your entered prices. Recorded cost basis over open lots: Unknown.
- BTC0.75 units · $68,000.00 your entered price · 74.3% of liquid$51,000.00+$27,000.00 vs cost
- US Equity Fund80 units · $120.00 your entered price · 14.0% of liquid$9,600.00+$2,400.00 vs cost
- Gold3 units · $2,400.00 your entered price · 10.5% of liquid$7,200.00
0 lots valued at public reference prices, 3 lots at your entered price. No public reference feed: BTC (live reference prices not enabled), Gold (live reference prices not enabled), US Equity Fund.
3 computable held lots; the projected tax figure is shown in the holdings detail below.
Live reference prices are not enabled in this deployment: no authorized price-feed gateway is configured. Values use your entered prices where you set them; nothing is estimated.
4 referenced in this household.
Tax & evidence · 2026
Not started
No 2026 tax records or documents yet. List the documents you expect so nothing is forgotten.
- Open evidence issues21 asset without basis, 1 without a date
- Records00 ready · 0 received · 0 expected
- Questions for a CPA0From records and decisions
1 completed disposal in your Sigil asset records can feed the CPA report. Prepare the CPA Disposal Report ($49) →
Readiness describes your records, not tax positions. Nothing here computes liability or files.
Property
1 property
- Entered value$375,000.00Your sale price, not a valuation
- Loan balance$180,000.001 loan account
- Equity$195,000.00Entered value minus recorded loan balance
- Cedar House (rental)Bought 2020-07-15 · held · referenced in household · 2026 tax $2,400.00Equity $195,000.00 · net cash flow $500.00 / mo · loan $180,000.00 · 85% of known assets · 3 linked records$375,000.00
- Largest known equityCedar House (rental)$195,000.00
With one property, the household's housing records are attributed to it.
- Housing & property costs$2,400.00 / mo2 recurring costs
- Property income$2,200.00 / mo1 source
- Net housing & property cash flow-$400.00 / moProperty income minus housing costs and monthly property tax
Matched by title and category terms (rent, mortgage, property, HOA, housing). No live valuation is fetched.
Decisions & continuity
No household decision yet
Compare responses to a detected condition and save the reasoning. Saved decisions keep their captured facts and flag when those facts change.
1 saved asset decision in Sigil · open the latest · Package saved decisions ($49) →
Your trends & allocation
2 observations on different days
Compared with your 2026-09-15 review. Sigil keeps one observation per day you open the pulse; comparisons never reconstruct history from current facts.
- Known financial position$263,650.00+$4,140.00 since 2026-09-15
- Available cash$850.00-$360.00 since 2026-09-15
- Lowest projected cash point-$99.00-$360.00 since 2026-09-15
- Projected closing cash$2,815.00-$360.00 since 2026-09-15
- Known asset value$67,800.00+$4,500.00 since 2026-09-15
- Monthly income$4,600.00unchanged
- Monthly bills and subscriptions$2,635.00unchanged
- Property equity$195,000.00unchanged
Known financial position
$259,510.00 on 2026-09-15 → $263,650.00 on 2026-09-16
Values (2)
| 2026-09-15 | $259,510.00 |
| 2026-09-16 | $263,650.00 |
Lowest projected cash point
$261.00 on 2026-09-15 → -$99.00 on 2026-09-16
Values (2)
| 2026-09-15 | $261.00 |
| 2026-09-16 | -$99.00 |
Monthly bills and subscriptions
$2,635.00 on 2026-09-15 → $2,635.00 on 2026-09-16
Values (2)
| 2026-09-15 | $2,635.00 |
| 2026-09-16 | $2,635.00 |
Property equity
$195,000.00 on 2026-09-15 → $195,000.00 on 2026-09-16
Values (2)
| 2026-09-15 | $195,000.00 |
| 2026-09-16 | $195,000.00 |
Allocation of known assets
Shares of known assets before loans and credit balances ($443,650.00).
Concentration of known liquid assets
Known cash plus valued held lots = $68,650.00.
Property cash-flow comparison
With one property, the household's housing records are attributed to it.
- Based only on records visible to you. Other household finances and unrecorded transactions may be missing.
- Holdings and properties are your own Sigil records; household records are only those you are permitted to read.
- The workspace is free: everything on this page, with no usage limit and no subscription. Portable outputs are $49 each, one-time, when you choose to take a report with you. Prepare the Holdings PDF ($49) →
Make it yours
Your pulse starts with a household and one balance.
Add income and bills to see the month, a property to see equity, a holding to see concentration. Each prompt on the page says what it unlocks. Sigil stores one observation per day you open it, so tomorrow's visit already has something to compare.
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