Personal or family financial accounting and management system

A method of determining a state of personal finance, the method comprising:

• entering a personal finance code into entry tables implemented by software implemented by a computational circuitry, the personal finance code including amounts associated with a set of expected sources of income and amounts associated with a set of expected uses of funds, the personal finance code including amounts associated with each asset category of a set of asset categories, the set of asset categories including income producing assets, income consuming assets, and non-producing income producing assets;
• changing an entry of the entry tables to change an element of the personal finance code, the entry and element associated with at least one of the amounts associated with the set of expected sources of income, at least one of the amounts associated with the set of expected uses of funds, or an amount associated with one of the asset categories of the set of asset categories;
• and
• projecting a relative valuation of each asset category of the set of asset categories based at least in part on changing the entry using the software implemented by the computational circuitry.

A computer readable media comprising software instructions operable by a processor to implement a method for determining a state of personal finances, the method comprising:

• establishing a personal finance code, the personal finance code including amounts associated with a set of expected sources of income and amounts associated with a set of expected uses of funds, the personal finance code including amounts associated with a set of asset categories, the set of asset categories including income producing assets, income consuming assets, and non-producing income producing assets;
• determining a set of budgetary guidelines associated with the personal finance code, the set of budgetary guidelines associated with at least one time period;
• deriving a comparison between the set of budgetary guidelines and a set of fiscal behaviors, the set of fiscal behaviors associated with the at least one time period;
• and
• projecting the comparison over at least one subsequent time period to determine a projected effect, the projected effect including a relative valuation of assets in at least one of the set of asset categories.