Inside the books · Basic is free
Live Zero Path is a household finance app that keeps one household’s whole set of books: a balance sheet of what you own and owe, a cash flow statement and a monthly budget for each month, and an emergency fund measured in months — then insurance, kids’ education, investments, FIRE and Path to Zero, and six life pillars. Each page answers one question, and none of them is “more net worth.” You type or paste your figures, with no bank login, and a spouse or partner can share the books.
Sign up and you land in your household — empty ledgers, not someone else’s life. Five skippable steps get numbers in (paste a spreadsheet or add one row). After what comes in and goes out, the dashboard is already a command report. Walk the fictional Demo any time to see the same pages filled in. It is read-only, and it isn’t yours.
Basic is free. Register is empty on purpose.
A statement of financial position: assets minus liabilities is net worth. It is read-only and live — cash, real estate, debts, stocks and retirement funds are added on their own pages, and lots and funds reconcile to it instead of being added on top. Pin a month-end line when you close the month.
Direct method, one calendar month, in your base currency: what came in, less what was consumed — living costs and tax — leaves what you kept. Pension and sinking-fund contributions count as kept, not spent. Not a bank-swipe register.
Each line has Planned, Actual and Remaining, where Remaining is planned minus actual. Income and tax are given; you budget the expenses and enter actuals when you close the month. Variance is the point, not a 50/30/20 rule.
Months covered is the cash you flag as the emergency sleeve, divided by this month’s outflow — living costs, tax and pension, and savings contributions — not FIRE core living. Only cash you can reach this week counts — not education or memory sleeves. Pick a target of 3, 6, 9, 12 or 24 months.
Avery Tan is fictional: married, twins, two properties, amounts in SGD. These are the household’s books for July 2026 — the month the read-only Demo opens on, so you see the same figures when you log in to try Demo. Avery is the 40s household in Lives in Season, the same family the FIRE, Path to Zero and life goals pages use; see the life goals examples for each decade.
Assets 4,301,950 less liabilities 1,156,200 is net worth 3,145,750. The two properties are 3,200,000 of the assets; their two mortgages are 1,110,000 of the debts.
In 21,720. Consumed 10,636: living costs 8,536 (both mortgages and insurance sit here) plus income tax 2,100. Kept 11,084 — 51.03% of what came in, the figure the app reports as the savings rate: CPF 1,600, savings contributions 1,530 and free cash 7,954.
Dining out: planned 220, actual 268, remaining −48. Groceries: planned 780, actual 712, remaining 68. Remaining is planned minus actual.
The emergency sleeve is 52,000. This month’s outflow — living 8,536, tax and CPF 3,700, savings contributions 1,530 — is 13,766. 52,000 ÷ 13,766 = 3.78 months: past 3, short of a 6-month target, which would need 82,596.
These figures are fictional and only show the arithmetic. They are not a benchmark and not advice.
Overview
See the household at a glance. A command report — then a first-run that never locks you out.
Thirteen numbers, a net-worth line, and four companion charts. Open a page when a figure asks. Not a lifestyle cockpit.
You → own and owe → in and out → assumptions → optional depth. Last step is optional. Stop anywhere. The rest of the app stays open.
Life Architect
Live the years that will not come twice. Six pillars, a body you can measure, memories with a date, seasons of a household.
Money, Family, Health, Learning, Dreams, Friends — one practical measure and one SMART goal each. Radar for now, timeline for progress. Weight and BMI live on Health, not here.
What a home scale can log: vitals, SMART habits, dated check-ins. Not a diagnosis. Not a clinic export.
Memory goals: a plan, an execute-on date, a sinking fund on the balance sheet. Money is the ticket, not the trip.
A season is a decade of a household. Switch 20s–70s to see how money, vision, and health shift — then take a sample spreadsheet into First-run if you want a sketch.
FIRE & Legacy
Know when you are free, then spend it. Independence is a date. Drawdown is a path. Neither is an infinite chart.
Freedom Date from the 4% / 25× heuristic, blended return, sinking funds kept out of core living. Crossover chart — not a line that grows forever. The public estimator is a sketch; this page is the Decimal report.
The maximum guilt-free monthly spend so wealth hits zero — or a legacy you choose — at mortality. Peak, golden, comfort mapped to energy, not to a vault.
Family & Wealth
Own, owe, this month, and the people you protect. Net worth is own minus owe. Children are education rows, not extra logins. A spouse or partner can share these books as Can edit or Read-only.
Child by child. Have the money on the day they start tertiary — not a single “number of kids × cost” cell.
Live own minus owe, plus a month-end line you pin. Cash, titles, and debts live on their own pages; this is the statement.
What is in the bank and which job each pile has. What the walls are worth. What still owes — loans stay on Debts, not on the house card.
A direct statement for one month: inflows, statutory, living, wealth-building. Pin a check-in when you want the line. Not a bank-swipe register.
Income and tax are given. You budget the expenses. Variance is the point — not a 50/30/20 gate.
If pay stops, how many months? Only cash you can reach this week — not education or memory sleeves.
If they die tomorrow, is the household clear? Need is debts plus education, minus life cover. A gap you can see — not a 12-column grid for its own sake.
Investments
What you paid, what it’s worth, in your currency. Lots and funds reconcile to the balance sheet. They do not double-count it.
Weighted-average lots in listing currency, totals in your base. Local PnL, base PnL, FX when the rates differ. A household report — not a brokerage blotter.
State, workplace, tax wrapper, or cash fund. Transacted versus the mark — so pension access age on FIRE has a sleeve to land on.
The monthly ritual
Three minutes, once: what moved on the statement, actuals on the budget, then pin the snapshot. The same check-ins still live on each page — this is the sequencer so you do not forget five errands.
You, not the household math
Profile, base currency, country, language, passkeys and sessions, billing (this is not net worth), export and erase. Basic is free. Your plan is your login — switching to Demo never rewrites it.
The budget is about variance. Income and tax are given; you plan the expenses and compare them with what you actually spent. There is no 50/30/20 gate to pass.
Cash flow is a statement, not a swipe log. One month: what came in, what was consumed, what you kept. It is not a register of every card swipe.
The dashboard is a report. Thirteen numbers and a net-worth line; open a page when a figure asks. It is not a lifestyle cockpit.
The goal is a date, then a spend path. FIRE gives a Freedom Date — the year money can step aside — and Path to Zero gives the monthly spend that lands on zero, or a legacy you choose. Not a net-worth line that grows forever. Try the FIRE calculator and the Path to Zero calculator before you sign up.
Memories are funded on purpose. Life Experience gives a trip, a skill or a family ritual a date and a sinking fund on the balance sheet, so it is not left to leftover scraps. See life goals examples by decade.
A new account is yours — blank ledgers, no one else’s numbers. Basic is free, and every page is open today. Plus is a planned paid tier; if billing starts, the Terms change first. See what Basic and Plus include.
