Money left to live, the only honest number.
If you were to keep a single idea from the whole Académy, it would be this one. The RAV — money left to live — is the beating heart of Ozorys, and very soon, of your financial serenity.
Your bank balance is lying to you
Open your banking app. The big number on display, that “balance”, looks like the truth about your money. It is nothing of the sort: it adds up the money present without subtracting the rent leaving in five days, the electricity, the forgotten subscriptions, the yearly insurance. It lies by omission — and difficult month-ends are born on that very lie.
Ozorys replaces that deceptive figure with a sincere indicator: the money left to live (RAV). It answers the only question that truly matters: “how much can I spend today, serenely, without compromising my commitments and my plans?”
The balance tells you what you have. The RAV tells you what you can spend. They are never the same numbers — and only the second one protects you.
The dashboard: your money left to live, front and centre, always in sight.
A disarmingly simple formula
Start from everything due to come in this month. Remove what is already committed. Set your savings aside first. What remains is your true everyday budget — groceries, outings, surprises.
€890 for the month — about €222 a week, about €29 a day. That is the number that should guide your decisions, not your bank balance. It turns a diffuse anxiety (“can I afford this?”) into a clear, immediate answer. You stop sailing blind. You know. And knowing is already taking back the power.
The three envelope natures — and their effect on the RAV
In Ozorys, every category of your budget belongs to one of three natures, and each acts differently on your money left to live. This is the subtlety that keeps the number true — understand it once and it will serve you forever.
Fixed charge
Rent, electricity, insurance, subscriptions. It leaves whether you like it or not: it is subtracted before the calculation.
Reduces the RAVSavings
Your future, treated like a creditor you never keep waiting: set aside first, before everything else.
Set aside firstVariable spending
Groceries, leisure, fuel: everyday life. These envelopes do not reduce the RAV — they are allocations inside it.
Lives inside the RAVWhen you create a category, ask yourself: “if I do nothing, does this money leave anyway?” Yes → fixed charge. “Is this my future?” Yes → savings. Everything else is variable spending, an envelope to steer inside your RAV.
The living ring and the daily budget
In the app, the RAV is not a cold figure: it is a living ring, breathing at the centre of the home screen, golden halo and reflections. Beneath it, Ozorys pushes precision one step further: the remaining amount is divided by the days left in the month — that is your “safe to spend today”.
A slider lets you travel back through the months, the “RAV details” screen breaks down every envelope (planned, actual, remaining), and discreet mode blurs your amounts in one gesture — on public transport as in the office.
The RAV is only as reliable as your entries. One forgotten expense, and the figure flatters reality. That is the whole point of module 3 — the 15-second habit — and of the module on reconciliation: fifteen seconds at the till beat an hour of reconstruction at month-end.
The “RAV details” screen: Ozorys breaks down every euro, in full transparency.
Let's make sure it stuck
Six questions, instant correction. Your answers never leave this page — of course.
1. What is the formula for the money left to live?
The RAV starts from what is due to come in, removes what is committed (fixed charges) and sets savings aside first. The bank balance subtracts nothing of what is about to leave.
2. Why is the bank balance a deceptive number?
It lies by omission: the rent due in five days, the electricity, the forgotten subscriptions are not subtracted. Difficult month-ends are born on that omission.
3. In Ozorys, a variable expense (groceries, leisure)…
That is the subtlety of the three natures: fixed charges and savings reduce the RAV; variable spending is an allocation inside it. That is what keeps the number true.
4. You expect €2,400, your fixed charges total €1,350, you save €250. Your money left to live?
2,400 − 1,350 − 250 = €800. About €200 a week, about €27 a day: that is your real living budget.
5. Why are savings subtracted before the calculation?
Saving “whatever is left” almost never works: spending absorbs all available money. By paying yourself first, you treat your future like a creditor you never keep waiting.
6. The living ring's “safe to spend today” is…
It is recomputed every day: what remains of your RAV, divided by the days left. A sober day raises it, a splurge lowers it — always the truth, never the guilt.
Today's challenge
Take three minutes, paper or the app: list the income you expect this month, your fixed charges, and the savings amount you want to hold (realistic — €150 kept beats €500 dreamt). Do the subtraction. That number is your first money left to live: from today on, it guides your decisions — not your balance.