Mercer Money Decision Engine
$4.99
You’ve tracked the numbers. You still don’t know what to do next.
The Mercer Money Decision Engine is a private web app that looks at your spending, savings, debt, cash flow, and emergency buffer, then gives you a clear next step: Safe to Spend, Limited Spend, or Hold Off.
This is not a spreadsheet, and it is not another place to stare at charts. It is a decision layer — a verdict, a reason, and a concrete next action.
What’s included (instant download):
- Your private access link to the live web app
- A one-page START HERE guide (how to open it in Chrome or Safari, bookmark it, and keep your data in the browser)
- A short README
- A full tutorial of every page, plus a simple first-week flow
How it works
After checkout, download the ZIP, open START HERE.pdf, and go to the access link in Chrome or Safari. Bookmark it. Enter your numbers. Read the verdict.
Your data stays in your browser. No account to create, no subscription, no bank connection. Works on your phone or computer.
This is a personal organization tool, not financial advice.
Questions: chattlbm@gmail.com, subject line “Money Decision Engine Help.”
Refund policy: Because this is an instant digital download, all sales are final. If your file won't open or something's wrong, email chattlbm@gmail.com within 7 days and we'll make it right.
Sarah M. — Pasadena, California
My husband and I were debating a $10,000 purchase and kept going back and forth between our savings account, checking account, and a spreadsheet. The Money Budget Decision Engine gave us a clear answer in less than a minute. I especially appreciated the guardrails around emergency savings. It didn't just tell us yes or no—it explained why.
Marcus J. — Austin, Texas
I have tried budgeting apps before, but most of them felt like accounting software. This was different. I entered a few numbers and got a straightforward recommendation I could actually use. The result helped me delay a purchase I was about to make, and honestly, I'm glad I did.
Emily R. — Collegeville, Pennsylvania
I purchased the full Decision Engine and found the PDF tutorial surprisingly helpful. I read through it first, personalized the app, and was up and running quickly. The setup took far less time than I expected. What I liked most was that my information stayed private and I didn't have to connect any bank accounts.
David C. — Chicago, Illinois
I used the tool while comparing a few major expenses we have coming up this year. The recommendation was clear, and the breakdown made sense without being overwhelming. It felt more like getting guidance from a financially organized friend than using a traditional budgeting app. I've already used it several times for different scenarios.