Life Budget

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January 2026

Income $0.00

Expenses $0.00

Net Balance $0.00

Budget Remaining $0.00

Recent Transactions

View All

No transactions yet

Budget Overview

Manage

No budgets set

Include transfers Show recommendations Only mismatches

Total: 0 transactions Income: — Expenses: — excl. transfers

	Date	Description	Category	Amount	Balance	Actions

Transaction Rules

Automatically categorize or split transactions based on matching criteria

Name	Match	Action	Matches	Status	Actions
Loading rules...

Period:

Personal Budget

January 2026

Budget $0.00

Spent $0.00

Remaining $0.00

Used 0%

Business Budget

January 2026

Budget $0.00

Spent $0.00

Remaining $0.00

Used 0%

Personal Budgets

Business Budgets

Report Type

Date Range

Scope

Category type

Select a Report

Choose a report type and date range, then click "Generate Report" to view your financial data.

Total Assets $0.00

Total Liabilities $0.00

Net Worth $0.00

No Accounts Yet

Add your bank accounts, credit cards, and other financial accounts to track your balances.

Total Allocated $0.00

Unallocated Income $0.00

No Envelopes Yet

Create envelopes to organize your money into virtual accounts like Bills, Savings, Fun Money, etc.

AI-Detected Savings Potential

Potential Monthly Savings $0.00

Analyzing your spending...

Additional Monthly Savings

Total Monthly Available

$0.00

Subscriptions & Recurring Charges

Look back

Short ranges catch weekly/monthly charges; use 6–12 months to catch quarterly/annual bills like insurance.

Active only

Scanning your transactions for recurring charges…

Detecting recurring charges…

Allocation Strategy

Debt Attack Investing

60%

40%

$0/mo to debt $0/mo to invest

Debt Payoff Strategy

Avalanche Highest interest first (saves most money) Snowball Smallest balance first (quick wins) Hybrid One quick win, then avalanche

Your Debts

No debts added yet

Add your credit cards, loans, and other debts to start planning

Your Freedom Timeline

Minimum Payments Only

Time to freedom --

Total interest --

Debt-free date --

With Your Plan

                                            Time to freedom
                                            --
                                        

                                            Total interest
                                            --
                                        

                                            Debt-free date
                                            --
                                        

                                            Invested at freedom
                                            --
                                        

                                        💰
                                        Interest Saved
                                        $0
                                    

                                        📈
                                        Net Benefit
                                        $0
                                    

Investment Calculator

Initial Investment

Monthly Contribution

Annual Return (%)

Years

Future Value $0.00

Total Contributions $0.00

Total Interest $0.00

Import Transactions

Import from CSV, QFX, OFX, or connect your bank directly.

Brokerage statements (Investor360 positions, activity, realized gain/loss, 1099): import them on the Investments page.

CSV File

Import from any spreadsheet or bank export

QFX / OFX / QIF

Quicken, MS Money, other finance apps

Connect Bank

Link directly via Plaid

Import History

Tax Prep

Review your uncategorized transactions, accept the suggested categories, flag business write-offs, and get a tax filing summary.

Tax Year

Tax info

A few questions so we can build your tax summary. Don't stress about exact figures — we've pre-filled estimates from your transactions, and most fields are optional. Nothing here is filed with the IRS; it just powers the summary on the next screen. You can change everything later.

Filing status

Single = unmarried. Married filing jointly = married, one combined return (usually best for married couples). Married filing separately = married, separate returns. Head of household = unmarried and you pay over half the cost of a home for a qualifying dependent.

Estimated AGI (this year)

Your total income for the year minus a few standard adjustments. Used for the medical-expense deduction floor.

Estimated taxable income

AGI minus your standard deduction (and the QBI deduction if you're self-employed).

Last year's total tax

The "total tax" line from last year's federal return (Form 1040, line 22 / "Total tax"). Optional — used only to suggest safe-harbor estimated-tax payments. Leave blank if you don't have last year's return handy.

Home office I use part of my home regularly and exclusively for business

Check this ONLY if you use part of your home regularly AND exclusively for your business (a dedicated room or area — not the kitchen table). Simplified method = $5 per square foot, up to 300 sq ft, so a max of $1,500.

Vehicles / mileage

Add each vehicle you use for business. Business miles = miles driven for work (client visits, supply runs, business errands) — NOT your commute to a regular workplace. Keep a mileage log; estimate if you must.

Dependents

Add anyone you claim as a dependent for this tax year. We use these for the Child Tax Credit ($2,000/qualifying child under 17 with SSN), Credit for Other Dependents ($500), Child & Dependent Care Credit, and EITC. The checkboxes follow the IRS tests — answer honestly; we'll flag who qualifies for what.

Notes

Anything you want to remember (optional).

Skip — use what I have

Appearance

Theme

Categories

Manage your transaction categories

Passkeys

Sign in with your fingerprint, face, screen lock, or a security key — no password needed. You can register this device and others.

AI Assistants

Connect ChatGPT or Claude so you can ask about your budget, accounts and spending in plain language. You approve each connection and can disconnect it any time.

Connector URL

ChatGPT

Settings → Apps & Connectors → Advanced → turn on Developer mode
Click Create connector and paste the URL above
Authentication: OAuth, then sign in and Approve

Claude

Settings → Connectors → Add custom connector
Paste the URL above and click Add
Click Connect, then sign in and Approve

Connected apps

Connected Accounts

Link bank accounts for automatic transaction sync

AI Server (Qwen)

Configure the self-hosted Qwen AI server. These settings are stored in the database and override the values in .env.

Analyze endpoint URL e.g. http://your-server:8000/analyze_financial

Chat-completions endpoint URL OpenAI-compatible /v1/chat/completions on the same server (used by the categorization wizard)

Model e.g. qwen2.5-7b-instruct

API key (optional) Type a new key to replace it; leave blank to keep the current one. Clear API key

Run AI in offline placeholder mode (no calls to the Qwen server)

Current mode: —

Data Management

Export or clear your data

Export Data Download all your data as JSON

Import Data Restore data from a previously exported JSON file

Clear Transactions Delete all transactions but keep accounts and categories

Clear Accounts Delete all manual accounts and their transactions

Clear Envelopes Delete all sub-accounts/envelopes and allocation rules

Delete All Data Permanently delete all your data (cannot be undone)

Select all / none ✓ make a rule for all

	Date	Description	Choose category	Rule