User Guide

A complete guide to getting started, uploading statements, and using each dashboard effectively.

How to Start

1. Go to Accounts and add all your cash, card, loan, and investment accounts.
2. Set opening balances (or add balance check-ins) so your net worth starts from accurate numbers.
3. Go to Uploads and upload recent statements for each account.
4. Review each processed upload, check summary totals, and click Approve for cash statement uploads.
5. Open the Expense Dashboard to validate income/expense trends and category splits.
6. Open Financial Health for net worth, liquidity, debt pressure, and balance trends.
7. Open Investment Dashboard for portfolio vs benchmark, concentration, and position monitoring.

CSV is best. Excel works well. PDF and TXT are supported for cash statements but may require more review.

Select an account, upload one or multiple files, then wait for processing status to complete.

For cash uploads, use Review & Approve to validate extracted totals and reconcile before final approval.

If statement periods overlap existing data, choose whether to replace or merge in the overlap prompt.

Skipped rows are reviewable and can be included. Rejected rows usually indicate plan/range limits or invalid rows.

Inactive uploads are excluded from reporting, so you can disable files without deleting history.

Use this dashboard for income/expense behavior, category trends, and operating cash flow analysis.

• Top KPIs: Money In, Money Out, Net Movement, Savings Rate, Emergency Runway, Debt-to-Income.
• Insight tiles: Top Spending Spike, Top Discretionary Driver, Recurring Charge Watch.
• Charts: Where Your Money Goes, Income vs Expenses, Account Cash Flow, Essentials vs Discretionary.
• Pivots: Expense Pivot and Income Pivot support Graph/Pivot mode and category multi-select.
• Filters: Date, Account, Category. Account/Category selections are staged and apply when you click OK (or Apply).

Use this dashboard to monitor net worth quality, balance reliability, liquidity, and debt risk.

• Balance confidence indicator: Fully reconciled / Gaps detected / Transaction-based only.
• Balance sheet KPIs: Net Worth, Net Assets, Net Liabilities, Investments, Liquid Assets.
• Insight tiles: Net Worth Momentum, Liquidity Stress Signal, Debt Pressure Watch.
• Resilience metrics: Savings Rate and Liquidity Runway.
• Account Balances card: account-level balances with asset/liability badges.
• Risk & Momentum: Debt-to-Income and Net Worth Growth.
• Charts: Assets vs Liabilities with Net Worth line, Income Kept, Liquid Cash Balance with runway overlay.

Use this dashboard for portfolio performance, holdings concentration, and investment operations.

• Top KPIs: Total Value, Total Cost, Unrealized Gain, Return %, Daily Change, Realized Gain.
• Insight tiles: Best Contributor, Concentration Risk, Benchmark Gap.
• Main chart: Portfolio vs Benchmark (Indexed) with asset/ticker filter and refresh option.
• Portfolio Split pie: switch between By Ticker and By Asset.
• Holdings tab: add/edit/delete holdings and review position-level gain/loss.
• Transactions tab: record buy/sell/dividend/interest and keep realized performance accurate.

• Keep account metadata clean (type, nature, currency, liquidity override) for accurate dashboards.
• Add periodic balance snapshots/check-ins to improve trend fidelity and confidence.
• Use Records and Upload review tools to correct classification issues quickly.
• Mark internal transfers and non-reportable rows as Do not report to avoid double counting.

Asset-account positives are income and negatives are expense. Liability-account direction is reversed.

Net Movement = Income - Expense. Savings Rate = (Income - Expense) / Income.

Balances are computed from snapshots and transactions, converted into your reporting currency, then aggregated by account nature.

Trend charts are month-based and use monthly aggregations with account snapshots and transaction history.

• Prefer CSV statements when available for best extraction quality.
• Use consistent account assignment before upload to prevent data cleanup later.
• Approve uploads only after checking summary totals and reconciliation indicators.
• Refresh FX rates in Profile if multi-currency values look off.
• Review insight tiles weekly to catch drift in spending, liquidity, and concentration risk.