Bahagikan gaji ikut sistem 3 bank secara automatik
Sistem kalkulator bajet gaji CashReal (input gaji + pilihan rumah/kereta/kahwin) :
- Enjin pengiraan kewangan automatik dengan 2 mode
- Sistem pecahan bajet terperinci: Keperluan, Kemahuan, Simpanan + item breakdown setiap kategori
- Sistem cadangan komitmen
- Sistem skor kesihatan kewangan + tahap risiko
- Sistem nota/cadangan automatik ikut keadaan gaji & matlamat
- UI result interaktif
Problem
Managing a salary can become complicated when users have multiple financial goals and commitments.
Most simple budget calculators only divide income using fixed percentages without considering the user's goals, commitments or overall financial condition.
CashReal was created to turn salary information into a more understandable and actionable financial plan.
Technical decisions
- Used Laravel as the main application framework
- Created a centralized financial calculation engine
- Supported multiple calculation modes
- Separated Needs, Wants and Savings calculations
- Created configurable financial goals and commitments
- Implemented financial health scoring
- Generated recommendations based on calculation results
- Designed an interactive results interface
- Kept calculation logic separate from presentation logic
Challenge
The biggest challenge was translating multiple financial variables into recommendations that remain easy for users to understand.
A small change in salary, commitment or financial goal can affect several parts of the budget at the same time.
How I solved it
I separated the financial calculation logic from the user interface and processed the user's salary, commitments and selected goals through a centralized calculation flow.
The calculated values are then grouped into Needs, Wants and Savings with a detailed breakdown.
Additional rules analyse the result to generate commitment suggestions, a financial-health score, risk indicators and contextual notes for the user.
Architecture at a glance
- Browser
- Laravel Application
- Financial Calculation Engine
- Budget Allocation Rules
- Financial Health Scoring
- Recommendation Engine
- Results Interface
- Database
Outcome
CashReal turns basic salary information into a structured financial overview instead of displaying only raw calculations.
Users receive a budget breakdown, commitment guidance, financial-health indicators and recommendations that help them understand the impact of their financial decisions.