Financial Plan

A financial plan is Ozzie's personalized roadmap for a user. It answers the question: "Given what I earn, what I spend, and what I want — how do I get there, and how long will it take?"

Inputs

The plan is computed from three sources:

Input	Source	Required
Monthly income & expenses	`POST /financial-intake`	✅ Yes
Financial goal (type + amount)	`POST /goals`	✅ Yes
Personality profile	`POST /personality`	Optional (improves quality)

You must submit financial intake before generating a plan. If intake is missing, the API returns INTAKE_REQUIRED.

What a plan contains

{
  "timeline_months": 14,
  "allocations": {
    "needs":   0.60,
    "wants":   0.20,
    "savings": 0.15,
    "debt":    0.05
  },
  "key_metrics": {
    "monthly_savings_target": 750,
    "projected_goal_date": "2025-07-01",
    "savings_rate_pct": 15
  },
  "action_items": [
    "Reduce dining out to free up $120/month",
    "Set up automatic transfer of $750 on payday",
    "Build 3-month emergency fund before investing"
  ]
}

`timeline_months`

How many months until the user reaches their goal at the current savings/payment rate.

`allocations`

A percentage breakdown of how the user's income should be distributed across four buckets. These are targets — not constraints.

Bucket	Meaning
`needs`	Non-negotiable fixed expenses (rent, utilities, food)
`wants`	Discretionary spending (entertainment, dining out)
`savings`	Going toward the goal
`debt`	Minimum + extra debt payments

`key_metrics`

Computed projections: monthly savings target, projected goal completion date, current savings rate, etc.

`action_items`

Specific, prioritized recommendations generated by Ozzie's AI based on the user's actual numbers.

When to regenerate a plan

Regenerate the plan when:

The user submits new financial intake (income changed, major expense added)
The user changes their goal
The user completes their personality assessment
Significant time has passed (monthly refresh is a good default)

Simply call POST /plan again — it always uses the latest intake and goal.

Plan vs reality

The plan is the target. Transactions reveal actual behavior. Over time, the chat coach compares them:

"Your plan says spend $800 on food this month. You've logged $1,200 in food transactions so far."

This comparison only works if you're feeding transactions regularly — which is why the Transactions endpoint is so important alongside the plan.

→ See Plan API Reference

Inputs​

What a plan contains​

timeline_months​

allocations​

key_metrics​

action_items​

When to regenerate a plan​

Plan vs reality​