📊 This Month at a Glance
This Month
Checking balance & income are manual fields — type them in yourself each month (use Sync below to carry them between your PC and phone). PDP/Checking distribution above come from your paystub, for reference only.
Funds all mandatory bills (recurring, utilities, one-time) in full, then spreads what's left across the cards — first to keep each Chase under the cap, then to the highest-APR cards to limit interest.
Credit Cards CAP 10,000
Ending balances auto-fill from your synced statements (still editable). Amount to pay defaults to the suggested payment — lower it for a partial payment. For Chase cards, enter current balance so the cap top-up is right.
Cap settings
Utilities (variable)
Estimated from the same month last year (your BofA history) — edit any month as needed.
One-Time & Tax Payments
Add a tax payment (or anything irregular) with its amount and due date, so it's included in this month's transfer.
Standard recurring — $0.00
Set & forget. Untick if not due this month; edits here apply to this month only.
This Month vs. History
Actual checking outflow from your synced statements — this month vs. your monthly average and the same month a year ago. (▲ = spending up.)
📊 Year-over-Year Outflow
This year's checking outflow next to last year's, month by month. The headline % compares only months present in both years.
🎯 Plan Accuracy
How close the Need you planned came to the money that actually left checking, across your saved months.
Saved Months
Snapshot
Where Money Goes
Spending by category this window. Tap a category slice or legend chip to focus the whole tab on it; tap a row below to expand subcategories.
Monthly Card Spend
Each month split by category. Tap a category in the legend below (or a slice in "Where Money Goes") to focus just that category.
📈 What's Trending
Categories ranked by how spending is moving — the most recent months vs. earlier in the last 6. Watch the ones creeping up.
Subscriptions & Recurring
Likely subscriptions on your cards (regular cadence + steady amount). Mark each Keep or Cancel — vetted ones drop off, new ones surface with a NEW badge.
Show all recurring (incl. reviewed)
💵 Cash In vs. Out
Actual deposits into and withdrawals out of BofA checking …0562 each month — and where the balance lands. A revolving account, so this is more of an occasional check than a headline.
💰 Current Account Balances
Live from your SimpleFIN feed — refreshes every time the data syncs. Loans are tracked on the Loans tab instead.
Top Merchants / Habits
Where the money actually goes this window.
Biggest & New
Refunds & Hidden
Recent Transactions
From card transactions. Spending uses charge amounts; subscription detection needs a steady amount + ~monthly cadence, so it ignores variable merchants (groceries, dining). Refunded charges and anything you hide are excluded from every total.
Not formal investment, tax, or legal advice — a grounded starting point. Needs your Anthropic API key (set it under Coach → AI settings).
✨ Quick Insights
Personalized tips from your recent spending.
AI settings (Anthropic API key)
Get a key at console.anthropic.com. Tips refresh once a day (tap refresh to force).
💳 Which Card Should I Use?
Encrypted Cloud Data
Your data is published as an encrypted file. Enter your passphrase once on this device to unlock it — the passphrase is remembered on this device only, and the file is unreadable to anyone without it.
Locked.
Statement Sync (local)
On your PC the helper parses your statements into finance-data.json, which loads here automatically. On your phone, use Encrypted Cloud Data above instead.
Not loaded.
Sync (categorization & balances)
Recategorizations, custom categories, hidden transactions, and your manually-typed checking balance / income-to-checking all live only on this device by default. Set up automatic sync below (one-time, per device) so edits on either device show up on the other automatically — no manual export/import needed once it's configured.
Not set up yet — syncs automatically once a token + gist ID are entered.
Manual export/import fallback (no GitHub needed)
Not imported yet on this device.
Parsed Statements
Distribution Summary
🌊 Income Rhythm
Your distributions are lumpy month to month. The dashed line is the smoothed 3-month average — the sustainable number to budget against, not any single big month.
🔀 Where Net Goes — PDP vs. Checking
How each month's take-home splits between your PDP (retained / invested) and what actually lands in checking to spend.
Gross → Net Breakdown
Each month's gross pay split into take-home (net) and total deductions.
Deductions Snapshot
Where Deductions Go
Tap a category slice or legend chip to focus the monthly chart below. Tap a row below to expand and drill into the underlying paycheck lines.
Monthly Deductions by Type
📈 Deduction Trends
Which deduction types are moving — recent months vs. earlier in the last 6. Watch the ones creeping up.
Annual Totals
Monthly History
From your PwC Distribution Statement (paystub). Tap a row to see that month's itemized deductions.