# Seven Envelopes

> A card-down week planner and rainy-day layer check. List the cash your household would still need to pay if card payments, phone wallets and banking apps stopped working for a week - one line per thing: what | amount | when - and see seven day envelopes, Monday to Sunday, fill in order from the cash in the tin at home, with the day it runs dry. Put your savings in layers (the tin, instant-access, notice, longer-term) and see them in months of essential spending against a rule-of-thumb range for your kind of income. One metered run writes the plan: a verdict, the lines that could shrink for a week, what each layer is for, the next moves in time order and what to watch out for.

URL: https://seven-envelopes.skillsafe.ai/
API tutorial: https://seven-envelopes.skillsafe.ai/api.html

## Free, in the browser
- Reading the week: amounts like 35, 6.50, $1,200, 40,50 or 1.234,56; "when" as daily, twice a day, once (Monday), 3x (spread over the week), weekdays, weekend, every other day, a day range (Tue-Thu), day 4, days 2-4, or day names (Tue, Fri). The amount is per time. An amount the page cannot read without guessing (10k, 2 x 5) is named, not guessed. A .txt or .csv file can be dropped in; a CSV header is read by its column names.
- After a reply: tick the moves off as you go (kept with the plan), see what the week would look like if the trimmed lines were dropped, and compare the week with your last kept plan.
- The envelopes: each day's cash need, filled in order from the tin; full, short (the day the tin runs out, with a stamp) or dry. The week's need, the shortfall or the cash to spare.
- The layers: tin + instant-access + notice + longer-term, in months of essentials (rounded down to one decimal), drawn as strata against the rule-of-thumb band: 3-6 months for two or more steady incomes, 6-9 for one steady income or variable pay, 6-12 for self-employed or retired households. These ranges are common rules of thumb, shown as estimates, not advice.
- The verdict rule, checked in order: exposed (the tin covers fewer than 3 days, or tin + instant-access is under one month of essentials), ready (the tin lasts all 7 days and the layers reach the low end of the range), thin (everything else).
- Exports: a printable cash list (.csv, one row per day per line), Markdown and JSON; kept plans (in the browser, or in your account when signed in).

## Metered (gpt-terra), one task: plan
The model gets every figure from the page and does no arithmetic of its own. It returns the verdict by the rule above, 0-3 lines that could shrink or wait for a week (never medicine or a bill that must be paid), what each of the four layers is for and whether to grow or hold it, 2-5 moves in time order (this week, this month, next 3 months; a this-week top-up of the tin comes first whenever the tin is short), and 0-3 watch-outs from the lines and notes. It names no bank, app or product and adds no household member, pet, car, date or habit the input does not state. The page re-checks every reply: the verdict against its own rule, four layers in order, the first move, every trim a real line, and no number, capitalised name, he/she, field name or bank name the input does not hold.

## Sources
Built on the SkillSafe skill @joellewis/emergency-fund - https://skillsafe.ai/skill/@joellewis/emergency-fund - (size and structure an emergency fund from income stability and expenses: how many months, where to keep it, tiered fund structures, how much cash to keep), narrowed to a card-down week.
The trend note on the page is from the Hacker News front page in October 2026 ("Google Cloud outage affects almost all banking and other operations in Europe", linking a Neowin report of several banks' cards and apps going offline).
Not financial advice: the page moves no money and knows no bank; every figure is arithmetic on what was typed.