If your household cannot cover its commitments from what comes in, Feylo says so plainly and stops. It does not produce a plan that cannot actually happen.
You will see what the gap is, and a plain-English explanation of what it would take to close it. It does not allocate personal money, savings or anything else optional in a month that falls short, because doing so would describe an arrangement that did not run.
Nothing about a shortfall is framed as somebody’s fault, and nothing in Feylo compares the two of you when it happens.