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Plutus
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Product Architecture

From raw household inputs to confident, real-time forecasts.

Plutus is built around four cooperating subsystems: a typed data layer, a deterministic forecast engine, a composable scenario runner, and a rules engine that classifies risk for every projected year.

End-to-end flow
Data moves from entry to insight in milliseconds
Inputs
Data Layer
Forecast Engine
Scenario Runner
Insights
Profile, income, expenses, assets, liabilitiesTyped, validated, versioned per householdDeterministic annual + monthly projectionApply life-event modificationsCash, net worth, warnings, charts
Forecast engine
Deterministic, single-pass projection
1
Aggregate income
Sum recurring + side income, apply growth curve per source.
2
Aggregate expenses
Inflate recurring, schedule one-time, layer in debt servicing.
3
Roll cash forward
Net cash flow is added to liquid cash year-over-year.
4
Grow invested assets
Each asset compounds at its expected return; real estate ignores market drops.
5
Reduce liabilities
Interest accrual offset by scheduled payments; balances cannot go negative.
6
Compute net worth
Assets minus liabilities; produced per projected year.
Rules engine
Risk classification per year
status = OK
if cash < buffer_target     → WARNING (+25 pts)
if cash < 0                  → CRITICAL (+45 pts)
if debt_to_income > ceiling  → WARNING (+15 pts)
if asset_pct > concentration → WARNING (+10 pts)
if withdrawal > safe_rate    → WARNING (+20 pts)
if expense_growth > income   → WARNING (+10 pts)

household_score = sum(active_rules)

Thresholds are tunable by admins; advisors can override per household.

Scenario runner
Composable life events
One-time spending
Adds expense in target year
Recurring spending
Increases monthly outflow from year
Income stop
Reduces income from year forward
Market drop
Discount on growth assets in target year
Asset sale
Converts asset to cash
Debt payoff
Zeroes out a liability balance
Notification system
Right signal, right channel
Risk threshold breached
Email + in-app
Forecast complete
In-app toast
Advisor recommendation
Email + push
Weekly digest
Email
Audit-worthy admin action
Audit log + Slack
Role permissions
What each persona can see and do
CapabilityHouseholdAdvisorAdmin
Manage own finances✓——
Run forecasts✓ self✓ clients✓ any
Create scenarios✓ self✓ clients—
View risk monitor—✓✓
Configure rules engine——✓
Manage users——✓
Audit log access——✓