Statements likely available to download
| Account | Type | Latest ingested | Age | Next expected |
|---|
Breakdown
| Account | Type | Statement date | Balance |
|---|---|---|---|
| Total | — | ||
Upcoming payments
Tiles start from each account's latest balance date, then subtract statement-known credit-card payments and flagged recurrent outflows, while also adding flagged recurrent income and transfers before each due date.
Income vs spending
Excludes transfers between your own accounts.
Period totals
Click a period to expand by section, then by category, then to individual transactions.
| Period | Income | Spending | Net |
|---|
Expenses by category
Category breakdown
Click a row to drill down: category → subcategory → rule → vendor → transaction. Subcategory rows can add rules; rule rows can edit them.
| Name | Count | Amount | Avg/mo |
|---|
Income by category
Income breakdown
Click a row to drill down: category → subcategory → rule → vendor → transaction. Subcategory rows can add rules; rule rows can edit them.
| Name | Count | Amount | Avg/mo |
|---|
Filed vs reconstructed
| Line | Filed | Reconstructed | Difference | Source / coverage |
|---|
Adjusted after filing
Lines where the IRS account transcript differs from the return as filed.
| Line | As filed | As adjusted | Change |
|---|
Payment & assessment ledger
Dated transactions posted to the IRS account transcript for this year.
| Posted | Code | Description | Amount |
|---|
Reconstruction sources
What the reconstructed column is built from. Gaps here explain differences above.
| Payroll stream | Covers | Stubs | Taxable wages | Federal | State |
|---|
Reconstructed to date
| Line | Last year to date | Last filed | This year to date | Projected year-end | Adjust | Source / coverage |
|---|
Liability outlook
Paystub stream projection
| Person | Employer | Observed through | Remaining pays | Projected gross pay | Projected federal | Projected state |
|---|
Assumptions
Accounts
Balance over time
Spending by category
Recent transactions
| Date | Description | Category | Amount |
|---|
Monthly budget
A cash-flow style monthly budget. Recurring items are the same
every month. One-off items (tuition, holidays, insurance, ...)
hit in specific months and use a due-date-aware set-aside so
the sinking fund is ready by the time they come due.
Budgets are saved to data/budget.yaml.
History range
—
▸
Monthly cashflow across your data. Drag the handles to pick the window the category averages use. Widen it to smooth out irregularity, narrow it to focus on a recent period.
Income
▸
| Monthly | Monthly | Trend · hist avg | |||
|---|---|---|---|---|---|
| Total | — | hist avg — |
| Yearly | Months | Annual | Monthly | Trend · hist | |
|---|---|---|---|---|---|
| Total | — | — | hist — |
| Aggregate | — | — |
|---|
Not in this budget —
Recurring rules not in budget
Under-budgeted vs. history
Historical activity not budgeted
Expenses
▸
| Monthly | Monthly | Trend · hist avg | |||
|---|---|---|---|---|---|
| Total | — | hist avg — |
| Yearly | Months | Annual | Monthly | Trend · hist | |
|---|---|---|---|---|---|
| Total | — | — | hist — |
| Aggregate | — | — |
|---|
Not in this budget —
Recurring rules not in budget
Under-budgeted vs. history
Historical activity not budgeted
Savings
▸
| Monthly | Monthly | Rule | |||
|---|---|---|---|---|---|
| Total | — | — |
| Yearly | Months | Annual | Monthly | Rule | |
|---|---|---|---|---|---|
| Total | — | — | — |
| Aggregate | — | — |
|---|
Not in this budget —
Recurring investment transfers not in budget
12-month forecast
Month-by-month cash flow from the chosen forecast month. Everything above the rule is money moving that month; the three rows below it are running balances. Click any ▸ row to break it into its items — which one-offs land in which month, what makes up the recurring totals, or the per-item detail under Set aside. That row is negative while money goes into the sinking fund and positive in the month the fund pays a bill, with the fund balance in brackets beneath; each one-off is funded in full by the month before it is due, then stops. Cash available is what you can actually spend — the bank total, in brackets, less whatever the fund is holding. Cells turn red where it would go negative. Scroll sideways for later months.
Per-account recurring cashflow
Net monthly cashflow per account implied by recurring rules
(recurrent: true in rules.yaml).
Income and expense are attributed to the account where the
transaction was observed. Transfers debit the source account
and credit the destination. Use this to spot accounts that
will chronically run low or accumulate cash if nothing else
changes. Independent of the budget rows above — always
reflects the raw recurring picture.
| Account | Income in | Expense out | Transfers in | Transfers out | Net / mo |
|---|
Invested balance over time
Tracks statement-end balances for investment accounts only.
Monthly investment activity
Uses contribution and withdrawal rows from investment statements within the selected range.
Income & fees
Dividends, interest and capital gain distributions earned inside investment accounts, less advisory and administrative fees. These stay on this panel rather than in Activity: the money is earned and spent inside the portfolio without touching household cash. Trades, sweeps and contributions are excluded — they only move money between holdings.
| Type | Rows | Amount |
|---|
Investment accounts
| Family | Account | Institution | As of | Current balance | Change vs prior statement |
|---|
Recent investment activity
| Date | Family | Account | Type | Amount |
|---|
Transfers between your accounts
Matched source↔dest pairs live in collapsible sections per
rule in rules.yaml, grouped by transfer type.
Every ⚠ unpaired row
across every rule is consolidated into the
Unpaired transfers bucket at the top, sorted by
date, so potential new pairs are easy to spot at a glance.
Rows labelled
unilateral
are expected one-sided transfers — the counterpart account
has no data at that date (e.g. closed/not-yet-ingested
history) or the rule declares that side as having no
statement row — and are shown inline within each rule, not
in the Unpaired bucket.
The category is the budget contract; the subcategory is
description. Budget one row per category and subcategories stay
free to be renamed, merged or split without touching a plan key.
Nothing here is stored in the database — categories are derived
from the rules on every load, so a change takes effect
immediately and no re-ingest is needed. Applying writes
rules.yaml and budget.yaml together,
because a plan row names its shelf as a plain string and would
otherwise be silently orphaned.
Taxonomy
| Shelf & rules | Rules | Txns | 12-mo | Last | Change |
|---|
Uncategorized transactions
▸
Groups lists distinct descriptions exactly. Clusters merges near-duplicate descriptions (e.g. vendor + varying txn-id suffix) so a single rule can cover them all. Graph shows bubbles spaced by text similarity — hover a bubble to light up its neighbors, scroll to adjust the hover radius, click to create a rule.