Pareto Spending Distribution
80/20 RuleTop expenditure categories ordered descending with cumulative outlay percentage curve.
Budget Buckets & Carryover
Every category rolls over unused credit or deficit automatically month-over-month.
Recent Transactions
| Date | Merchant / Description | Category | Account | Amount |
|---|
Monthly Budgets & Cascading Carryover
If you spend $425 of a $500 budget in June, July starts with -$75 spent ($575 available). Overspends start with a deficit.
Transactions Ledger
Full statement ledger with retroactive categorization memory.
| Date | Description | Clean Merchant | Category | Account | Amount | Actions |
|---|
Accounts & Balances
Ingest bank & credit card statements into your unified database.
Auto-Categorization Rules
Rules automatically categorize matching merchant statements and learn from your past changes.
| Match Pattern | Match Type | Target Category | Type | Action |
|---|
Security & Vault Settings
Manage Two-Factor Authentication, the 10-Year Data Retention Policy, and offline backups.
Two-Factor Authentication (TOTP)
Secure your personal finances with Google Authenticator, Authy, or 1Password.
Scan this QR code in your Authenticator app, then enter the 6-digit code below to activate:
10-Year Financial Data Retention
ActiveAll financial records and transactions are preserved for 10 full years before automated purging.
Download Complete Database Backup
Export all accounts, transactions, categorization rules, and budget limits into a standalone JSON file for 100% offline ownership.