Market input / VOO quote
Market Price
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LifeOS Finance Tool
VOO Agile Monthly Plan
A small-band decision surface for monthly VOO execution. It uses delayed market data as context, while your Finance discipline remains the hard boundary.
This month
Baseline
Waiting for quote data.
This month / Rule engine
Monthly Recommendation
Monthly size
Baseline 100%
How much of the monthly VOO plan to buy.
Cap breached
0%
Near cap
50-80%
Defensive
70-90%
Baseline
100%
Small add
110-125%
Pullback add
125-140%
Execution timing
One Buy
Whether to buy once or split the plan.
Normal
1 buy
Split
2 buys
Defensive split
3 buys
Portfolio gate / optional but recommended
Enter current equity allocation and your maximum equity cap. These values override every market signal when the cap is breached.
The app auto-reads market context. Add the optional portfolio gate to make the hard-cap check explicit.
Market context / Trend
Long-Term Trend
Current signal
Quote loading
Waiting for quote and trend data.
52-week drawdown
Loading history
200-day trend
Loading history
1M / 3M / recent
Loading history
Restart the server after this upgrade to load long-term trend data.
Market context / Valuation
Valuation Discipline
Forward P/E
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Trailing P/E
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Forward P/E cheap< 16x
Forward P/E fair16-20x
Forward P/E expensive> 20x
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Market context / Events
Macro & Event Risk
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Long-term habit
Compounding Preview
Ending shares
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Projected value
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Estimated principal
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Estimated growth
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Base 8% is selected by default. Scenarios are simplified long-term S&P 500 assumptions, not guarantees.
Finance discipline
Hard Boundaries
- VOO remains the only investable target for this tool.
- Price is context only; it cannot change monthly size by itself.
- Configured equity cap is a hard gate and overrides market signals.
- Stale, failed, or missing data always falls back to baseline.
- High event risk prefers split timing over aggressive buying.
Setup / Deployment
Public App Boundary
Cloudflare secrets: FINNHUB_API_KEY + TWELVE_DATA_API_KEY + optional ALPHAVANTAGE_API_KEY
Public users open the webpage directly. Market data still runs through same-origin API routes, so the browser never contains market-data keys. For local development, run ./start_private.command.