Wide bar = cash leaving checking (recurring + installments + Pay in 4); green cap = take-home left. Narrow bar = spend billed to your credit card, shown separately. Click a bar to jump to that month.
Composition this month
Enter each card's balance, APR, and the payment you make to that card. The summary ranks them by APR and shows a real payoff per card; the total payment feeds your cash outflow up top.
Bar height scaled to amount (square-root, so small bills stay visible). Green dashes = payday.
Variable spend with no fixed due-day — happens across the whole month, not on one day. Add a due-day to these items to place them on the calendar.