Dashboard
Yearly expected cash flow
Trailing 12 months actualWhere the cash comes from
Annual · post-tax where applicableClaude analysis
Business entities
Open entitiesSpending
Cash flow
Savings goals
Bills & reminders
All transactions
| Transaction | Category | Account | Date | Amount |
|---|
Net worth over time
Income vs expenses by month
Spending by category over time
Category breakdown
Top merchants
Savings rate
Net income ÷ income, per monthAsk Claude
Answers use the entity and range selected aboveTransactions in view
| Date | Transaction | Category | Account | Amount |
|---|
Year by year
Projected until finalized · after-tax flows to PersonalThis year: low / expected / high
Sale scenario
Keep vs sell — cumulative after-tax wealth
Your inputs
example values marked · edit any fieldHow we got this
| Synchrony CDs ×3 · 10/25/26 | $342,439 |
| Morgan Stanley — Family Trust (excl. policies) · 10/31/26 | $689,072 |
| Morgan Stanley — 5 IRAs (Derin, Durga) · 10/31/26 | $1,132,438 |
| Apex — individual brokerage · 10/31/26 | $964,846 |
| Apex — SEP IRA · 10/31/26 | $557,607 |
| Apex — UTMAs (Hiya, Navya) · 10/31/26 | $173,881 |
| Texas 529s ×2 · 9/30/26 · not spendable | $988,269 |
| Prudential VUL cash value ×4 · 9/30/26 · not spendable | $986,649 |
| Total from statements | $5,835,200 |
| Wealthfront savings (separate field) · per you, 4% interest | $3,500,000 |
| Total accounts | $9,335,200 |
Spendable for expenses: $3,860,282. The 529s and policy cash ($1,974,918) grow at the same return but are never used to pay expenses. Bank balances (Plaid) and real estate are not included here.
Real estate by property
edit property tax and loan balance ·Net worth path
Planned expenses
Amounts are in today's dollars and grow with inflation. One-time expenses happen in the start year; recurring ones repeat every N years until the end year. Weddings and homes default to ages 28 and 30.
Show the math
Each year: investments grow at the S&P return less ~0.31% dividend tax (1.3% yield × 23.8%), then income and real-estate cash are added and that year's expenses are paid. Wealthfront savings earn their interest less 40.8% tax and are kept as a cash reserve. Real estate grows at the appreciation rate. 529s and policy cash grow separately and are never spent.
Year by year
nominal dollars · tap a year to see its mathThe sale
after-tax proceeds into the S&P 500 · no real-estate purchase · no Opportunity ZoneHow we got this
Large withdrawals
taken from investments in the year you choose · Future tab onlyEnter what you want to take out, in that year's dollars. It comes out of investments at the start of the year, so it stops compounding from then on. Capital-gains tax on the shares sold to fund it is not deducted; add about 15–20% if you want the amount to be after tax.
Net worth with the sale
Show the math
Same engine as Now — same inputs, expenses and return — plus the sale proceeds invested in the closing year.
Year by year
with the sale · tap a year to see its mathAfter-tax balance sheet
What you could actually spendLiquidity ladder
vs next 12 months of obligationsFamily wealth projection
Each asset class compounds at its own rate. Taxable accounts lose part of each year's growth to tax; retirement, 529 and insurance cash value compound tax-deferred. Real estate grows by appreciation plus loan paydown. "Added each year" is the expected yearly cash to Personal from the dashboard, invested in brokerage.
Stress tests
Each shock alone, then all at once| Scenario | Funded ratio | Runway | RE debt coverage | Yearly cash to Personal |
|---|
Projection
2026 federal brackets · Texas has no income taxEstimated payments
Lesser of 90% of this year or 110% of last yearIRS debits found in bank data are counted automatically. Withholding counts as paid evenly through the year, so a late-year W-4 increase can cure an earlier shortfall.
Rental activity (Schedule E, projected full year)
Cash P&L → taxable: add back principal, deduct interest and depreciationProperty detail
If you leave it alone
cash value and death benefit, compoundedAnything a bank link can't see lives here — life insurance cash value, 529 plans, retirement accounts, brokerage, property values, mortgages. Update a value when a statement arrives; every update is kept as history.
Claude analysis
NOI and cash flow, trailing 12 months
Schedule E
Category totals mapped to IRS Schedule E lines. Recategorize transactions on the Transactions page to refine. Mortgage shows the full payment — interest comes from your lender's 1098.
Revenue vs expenses
Last 6 monthsProfit & loss statement
Click a line to see its transactions
All transactions
| Date | Transaction | Category | Account | Amount |
|---|
Accounts
Change the dropdown to move an account to another entityMonthly budgets
Click a limit to editSign-in history
Every Google sign-in to this app is checked server-side before a session exists. Accounts not on your allowlist are rejected and recorded here with their IP and device.
| When | Account | Result | IP | Device |
|---|
Activity log
| When | Event | Details |
|---|
Connected banks
Security
Bank credentials are entered only inside Plaid's hosted flow (bank OAuth + your bank's MFA). Plaid returns a token that is exchanged and stored server-side only; the browser never receives it. Your data is readable only by your own signed-in Google account (email-verified, domain-restricted). Data is read-only — nothing here can move money.