How it works
One rule. Three colors.
Always safe.
DS.SANBU runs on two ideas working together — SPES and Dynamic Cash Flooring. Together they decide what percentage of every expense you save, based on the money you have right now.
SPES — the percentage ruler
SPES decides how much of every expense becomes savings, based on which color zone you're in. It's automatic — you just log entries, SPES does the math.
Blue zone
Yellow zone
Green zone
Dynamic Cash Flooring
This rule decides which color zone you're in, based on how much money you have. The floors shift dynamically — DS.SANBU keeps you informed.
Blue — too much money
When your balance is comfortably above your daily needs. SPES routes 20% of every expense into your self-bank — a vault you can deposit into but not withdraw from.
Yellow — too little money
When your balance drops below Rp 50.000. SPES applies a tiny 2.5% self-tax on expenses — a small nudge that still builds your self-bank without hurting you.
Green — safe & normal
The sweet spot. You're not flush, not scraping by. SPES sends 10% of every expense to long-term savings. Consistent, predictable, sustainable.
How they work together
Dynamic Cash Flooring tells SPES which color you're in. SPES picks the right percentage. Your expense is split: your spending + your self-bank deposit. You never have to think about it.
- 1.You log an entry — income, expense, or split.
- 2.Dynamic Cash Flooring checks your balance and picks a color.
- 3.SPES takes the right percentage and routes it to your self-bank.
- 4.The chart fills in. Patterns appear. You learn — automatically.