Disposable income
The heart of Ozorys. A single number, constantly recalculated, that tells you exactly what you can spend without ever putting yourself at risk.
The formula
Disposable income is calculated simply: your planned income, minus your fixed costs, minus the savings you set aside first. What remains is your real day-to-day budget.
« Pay yourself first »
Notice the order: savings are removed before calculating what's left to spend. That's the secret of good savers: you don't save what's left, you spend what's left once savings are set aside.
Even a small fixed amount, taken first each month, builds wealth. Consistency beats the amount.
The gauge that drops
Each daily expense you tick « Deduct from disposable income » lowers the gauge in real time. A glance is enough to know if you can afford that dinner tonight.
A disposable income still positive at month's end is not lost: it becomes bonus savings, set aside without even thinking about it.
Module quiz
Test your knowledge
Calculate your disposable income
Take your monthly income, subtract your fixed costs (rent, subscriptions, loans), then a realistic savings amount. The result is your daily budget for the month. Surprised by the number? That's normal — and it's the start of mastery.