Use existing house cash
If you already have at least 754,302 ETB saved for the house, use that first. It creates no new January repayment.
Safest · no loanMONDAY · 05 OCTOBER 2026
Good morning, Nabil.
All changes saved
YOUR NEXT DECISION
Can October be paid
without risking January?
One calm view of the house, the runway, and every decision between now and handover.
NEXT HOUSE PAYMENTOctober 20263,553,776 ETB
THE ONE NUMBER THAT MATTERS
October payment check
Baseline plan · no loan · family reserve excluded
3 months salary2,538,000 ETB$4,700 × 3 × 180
＋Wife · October only189,474 ETB4,000 AED ÷ 3.80 × 180
＋Baby gift72,000 ETB1,500 SAR ≈ $400 × 180
＝Total October funding2,799,474 ETBFamily reserve not counted
Still needed754,302 ETB
PROTECT JANUARY FIRST
Best ways to cover October
These options are ordered from safest to riskiest.
Use confirmed or excess cash
Apply project income only if it actually arrives. Family reserve stays protected unless you explicitly mark an excess amount.
Good · only when receivedSmallest bridge that protects both
October needs 754,302 ETB. January needs about 660,513 ETB too. Together that is about 29,500 SAR.
Only if still needed · up to 29,500 SARImportant: Do not borrow 29,500 SAR just to hold idle cash. First subtract any house cash, confirmed project income, reimbursement, and bonuses. Borrow only the remaining amount. A 15,700 SAR loan covers October alone but does not protect January; any bridge should stay untouched in a separate house fund until January.
MAKE THE PLAN REAL
Add money you actually have
Enter confirmed amounts here. The October gap updates immediately.
Unconfirmed project income, reimbursement, and bonuses stay at zero. Family safety reserve is not included here unless you intentionally enter an excess amount.
HOUSEON TRACK
50%
paid8,684,440 ETB
Remaining8,884,440 ETB
OCTOBERSAFE
3,553,776 ETBProjected funding—
Gap to close—
JANUARYSAFE
3,553,776 ETBProtected funding—
Buffer after payment—
COMPANY LOANBRIDGE ONLY
0SAR
outstanding
outstanding
Monthly plan—
Expected payoffNot active
APRIL · FINAL 10%SAFE
1,776,888 ETBProjected funding—
Handover targetApril 2027
THE RUNWAY
House plan at a glance
October → AprilEvery major move, in order.
House payment Loan action
MONTH BY MONTH
The runway.
Keep the next payment safe, then decide what the extra cash can do.
Baseline runway—ETB after scheduled payments
Family safety reserve250,000 ETBNever counted automatically
Priority sequenceHouse → Loan → CarBonuses stay separate
| MONTH | INCOME | HOUSE / RESERVE | LOAN | ENDING CASH | STATUS |
|---|
BRIDGE, NOT INCOME
Loan command center.
Protect the house first. Then clear the loan as quickly as the safe cash allows.
No active loan
Use a scenario below to see how much bridge funding would keep October and January safe.
AFTER PAYMENT PLANNING
Make the house yours.
Finishing, furniture, and the future car stay out of October and January until you choose otherwise.
Priority orderHouse → Loan → CarOnly spend forward once the essentials are safe.
YOUR ASSUMPTIONS
Settings.
Small changes here flow through every safety check instantly.
INCOME & TRANSFERS
MONTHLY PLAN
POTENTIAL UPSIDE · NOT INCLUDED
Good things, when they arrive.
$4,000 project income · 3,000 SAR reimbursement · Ramadan bonus · Yearly bonus