Moza can answer questions like “can I afford this?” and “what would this do to my goals and budgets?” using deterministic affordability and impact computations — no guessing.
How it works
- Ask in plain language. The easiest way is through Moza AI: “Can I afford a $1,200 laptop this month?”
- Multi-style analysis. The Decision Engine tailors its checks to your active planning style:
- Flexible Planning: Moza compares the purchase against your category's remaining monthly limit.
- Allocation Planning: Moza checks the category envelope's Available balance and, if it's short, suggests which other envelopes have excess funds you could move.
- Deterministic impact. Moza computes the exact impact on your available cash, your envelopes, and your goal timelines.
Limitations
- Decisions reflect the data you've recorded — the more complete your accounts and recurring items, the more accurate the answer.
- Moza advises; it never moves money or commits you to anything.
Common Questions
How do I ask whether I can afford something?
Ask Moza AI in plain language, e.g. 'Can I afford a $1,200 laptop this month?' Moza explains the impact on your cash, budgets and goals.
How does 'Can I afford this?' work in envelope budgeting?
In Allocation Planning, Moza checks the Available balance in that category's envelope. If you don't have enough, it suggests which envelopes you can move money from to cover the purchase.
Is the answer just an AI opinion?
No. The affordability math is deterministic and grounded in your real numbers; the assistant only explains it.