The money zones system

TESSERA

every account a tile · together, the full picture
or

A fictional portfolio to explore. Nothing is saved.

Your data is stored in your private account. Only you can see it.

TESSERA
Total net worth
Net position
In hand + invested
Locked / incoming
Period history

New snapshot

Type today's balances. Blank = keep the last figure.

Add account

Bills & obligations

Link each bill to the pocket that pays it — zones then show reserved vs free.

Add obligation

Income

Tick when the money lands, then run the Money Map.

The Money Map — run on every payout

I. Reserve this month's fixed obligations first (payroll, rent, bills pocket).
II. Refill your living pockets to their standard level.
III. Keep your defensive cash above its floor.
IV. Whatever remains → savings or investments. Decide on purpose, not by accident.

Log income

Archive & settings

Backups, currencies, accounts, language

Language
Currency
Backup

Download a copy of your book anytime. Import restores it.

Accounts

Tessera is built on the Money Zones system: every account is a tile in one of four zones — Liquidity (ready cash), Business (operating funds), Growth (investments at work) and Locked (deposits and money not yet arrived). Small tiles, one full mosaic: your complete financial picture.

TESSERA · MMXXVI