How SUP Works
SUP organises personal finance around a handful of concepts that reflect how money works day to day.
The core model
Transaction events
Things that have happened: income landed, a bill was paid, groceries were bought, a repayment cleared.
Regular transactions
Money you track as one named thing — recurring or manual. Some run on a schedule (salary, subscriptions, rent, insurance, mortgage repayments); others are regular without a fixed cadence (groceries, fuel, dining out).
Pending occurrences
Items that sit between the plan and the recorded event. Regular entries — recurring or manual — that need to be reviewed, confirmed, or dismissed before they become transactions.
Everyday, savings, and term deposits
The cash you hold. Shapes liquidity, gives you a baseline, and shows where money lands after it moves.
Investment accounts and portfolios
The things you own that grow over time. Tracked separately from cash so you can see allocation and performance clearly.
Real estate and mortgages
Properties with valuations, equity, and linked mortgage details — so you can see the full picture in one place.
Debts with balances and timelines
Obligations you actively manage — not just negative assets, but commitments with repayment schedules and payoff dates.
Goals
Goals turn intent into targets: save this much, reduce this balance, keep this category under budget.
The review workflow
The central lifecycle in SUP is:
- a recurring pattern says something should happen
- a pending occurrence surfaces the work when it is due
- a transaction records what happened
That separation matters. SUP can distinguish between a plan, a reviewable obligation, and a real-world outcome — rather than treating them as interchangeable.
What insights sit on top
Insights are derived from the underlying data rather than treated as their own raw source.
- Cashflow explains how money moved over time
- Net worth shows the overall position across holdings and debts
- Forecasts project where current plans are taking you
- Breakdowns explain concentration and composition