DEMO DATA — every account, balance, and transaction shown here is fake. Not a real person's financial information.

Needs Attention

Select one or more rows, then Confirm (mark reviewed) or Snooze (review what you're about to hide, then hide it until a date -- e.g. "I know this card's high, I'm not paying it down until next month"). Critical alerts still break back through early if they get worse. To record a payment, use the Pay Bills tab.



Alerts currently hidden from Needs Attention. Un-snooze one to make it reappear immediately.


Revolving Credit Accounts




For a retail card that's also co-branded with a network, pick the network -- "Retail" means closed-loop, no network.
For an existing account, avoid editing this directly -- Save writes it straight to the account with no transaction behind it, so it won't show up in the Ledger, Budget, or Trends, and nothing here checks it against what you already have on file. Use Record Transaction for a real charge/payment/credit, or Handle Statement (Dashboard) to reconcile against a new statement -- both keep a real accounting trail behind the number.
Only used when creating a new account. For an existing account, select it and click "Confirm New Statement" once the real statement has posted -- Save does not change this field.
For reconciling against the issuer's site: Available = Credit limit - Balance - Pending (shown in the table).
Some lenders only ever apply a payment to the oldest unpaid cycle; others let you direct a payment at a later one. Pay Bills warns before skipping an older open period on an "oldest open period only" account.

Installment Loans




For an existing loan, avoid editing this directly -- Save writes it straight to the account with no transaction behind it, so it won't show up in the Ledger, Budget, or Trends, and nothing here checks it against what you already have on file. Use Record Transaction for a real payment, or Handle Statement (Dashboard) to reconcile against a new statement -- both keep a real accounting trail behind the number.

Bills


Money Accounts


If this account has a real fixed monthly statement date, setting this enables the same "statement not entered" Dashboard reminder revolving accounts get. Leave blank to skip.

Optional reconciliation anchor: a balance you've independently confirmed correct as of a given date (e.g. from a real statement). Once set, the Ledger sums every transaction forward from it across the account's full history and flags any drift from the Available balance above -- leave blank to skip this.

Pay Bills


Record Payment

Record Transaction

Record Paycheck

Log a full paycheck -- gross pay, itemized deductions, and the resulting net-pay deposit -- as one entry. Entirely optional: for a simple lump deposit, use the Record Transaction tab instead.

Ledger


Budget

Monthly targets


This month so far

Trends

Month-over-month balance trajectory by funding source -- a different question from Budget's "where did the money go": is your overall position improving, and are you leaning on credit more or less over time.


Spend by category and funding source

Click a row to view its transactions in the Ledger.


Trailing 12 months

Bureau Scores



Latest per bureau

Full history

What If

Predict Impact

Runs the credit-score prediction model (R/model.R) against your current tracked accounts and scores.

Add one line per hypothetical change -- they're all scored together as one combined what-if, not added up from separate predictions. 






              

              

                
Payment Sketchpad

                

                  Sketch which account funds which upcoming bill, see whether any account would go negative 
                  or a card would exceed its limit, then approve a batch to record all of it at once.
                

                

                  
                  
                

                

                  
                  
                

                

                  Cash accounts (
                  Δ
                   = adjustment) 
                  
                    
                    
                  
                

                

                

                

                  

                    
                  

                

                

                  

                    
                  

                

                

                

                  

                    

                      

                        
                      

                    

                  

                  

                    
                  

                

                

                

                
              

            

          

        

        

          
General

          

            
            
          

          
          

            If set, the Dashboard greets you by this name -- at most once an hour, 
            not on every page load. Leave it blank and nothing is shown.
          

        

        

          
Login

          

          
This app is single-user -- there's one username and one password, not separate accounts.

          

            
            
          

          

            
            
          

          

            
            
          

          

            
            

              

                
              

              

                
              

            

          

          
          
          

          

          

            Changes apply on the next page load -- no restart needed. 
            Turning login off removes 
            demo_runtime/auth_config.R
             entirely.
          

        

        

          
Backups

          

          
          
          

          

          

          

          
          

            Restoring replaces the live database with the selected backup, and always takes a 
            fresh backup of the current state first -- a bad restore is itself recoverable. The 
            app needs to be restarted afterward; that doesn't happen automatically.