Features
Everything in the app, in depth
The Financial Health Score and AI insights sit on top of solid, everyday tracking. Here is how each piece works and why it exists.
Financial Health Score
One number you can actually explain
A single 0–100 score blends five factors over a rolling 90-day window. Each factor has its own sub-score, so you can see exactly what is helping or hurting—and the weights adapt as your situation changes (for example, once your portfolio can cover annual expenses, leverage matters more than buffer).
- Five sub-scores: income vs spending, emergency buffer, cash vs credit card debt, portfolio vs debt, and overall leverage
- History over time so you can watch the trend, not just today's value
- Recalculate on demand whenever your data updates
- Calculated deterministically in the app—no AI guesswork in the math
AI insights
Guidance that reads like a sharp analyst
We send the model summarized metrics—never your full transaction history—and ask for short, structured guidance. You get plain-English explanations of what changed and one or two concrete next steps, with safe fallbacks if AI is unavailable.
- Explains score movements and spending trends in plain language
- Suggests focused next actions instead of generic advice
- Works from aggregated snapshots to protect your data
- Never calculates your score—AI interprets, the app decides
Net worth & accounts
Your whole picture, organized by category
Track cash, investments, liabilities, and alternative assets like home equity, precious metals, and crypto. Everything rolls up into net worth without lumping unlike things into one confusing total.
- Manual entry or sandbox bank linking
- Alternative assets: real estate, metals, and crypto
- Liabilities tracked alongside assets for a true net figure
- Net worth history charted over the last 12 months
Spending & budgets
Know what is fixed—and what you can change
Tag categories as fixed or flexible, then compare month-to-date spending against the same period last month. Set category budgets and watch a per-category bar chart fill in as you spend, with anything over budget clearly flagged.
- Fixed vs flexible split so budget talks start in the right place
- Per-category budgets with a visual progress chart
- Month-to-date vs last month comparisons
- Uncategorized spend stays visible—nothing hides in a black box
Goals
Targets that move when your balances do
Set a goal once and let progress update automatically from your accounts and assets. No monthly spreadsheet maintenance required.
- Credit card payoff, mortgage, and auto loan targets
- Savings cushion and investing growth goals
- Progress pulled from real balances, not manual updates
Smart categorization
Accurate categories, minimal effort
Transactions are categorized through a layered pipeline: merchant normalization and deterministic rules first, your own history next, and AI only for the genuinely ambiguous cases. Your corrections become memory, so the system gets more personalized over time.
- Noisy merchant names normalized to clean identities
- Deterministic rules and your history handle most transactions
- AI reserved for low-confidence cases to keep things fast and cheap
- One-click edits that the system remembers going forward
Dashboard & alerts
Open the app, know the story
A highlight carousel surfaces your score trend, net worth movement, budget, and goals at a glance, with recent activity right below. Alerts flag the things worth noticing so issues do not snowball.
- Carousel: 90-day score, 12-month net worth, budget, and goals
- Recent transactions and quick actions
- Alerts for score drops, spending spikes, and low balances
See it with your own numbers
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