Personal and business money in one place. Bring the numbers in however you have them — a paystub, statement, spreadsheet or screenshot, a CSV export, a bank link, or just tell QL Intelligence — and get cash flow, an income/expense KPI board, a retirement-first investment allocation at 2026 IRS limits, business burn and runway, a 12-month projection and plain-language insights.
Monthly cash flow
Where it goes
Planned monthly spend by category, as a share of income. Bars are the plan; the tick is last month's actual where transactions exist.
Actual vs plan
12-month projection
Investment allocation ladder
Insights
Rule-based reads of your plan and actuals — deterministic, no model.
Income
Expenses
Allocations
What you already route to savings, retirement and investments each month. The ladder above compares this to the plan.
Accounts
Balances seed the emergency fund, net worth, runway and the projection. Bank and brokerage links refresh them.
Transactions
Imported, synced or chat-recorded lines. Change a category to teach the actuals; transfers between your own accounts are excluded from spending.
Settings & assumptions
Everything the ladder and projection depend on. IRS limits are the 2026 figures.
Import a file
Paystub, bank or card statement, budgeting spreadsheet, P&L, or a screenshot of any of them — PDF, PNG, JPEG, WebP or XLSX up to 3 MB. QL Intelligence extracts the lines; nothing is saved until you accept. Uses your monthly AI allowance. CSV exports go through the CSV door instead (free, exact).
Review before adding
Paste or upload a CSV
Any bank or card export with a header row (Date, Description, Amount — or Debit / Credit columns). Parsed exactly, no model, no allowance used. Card statements with charges listed positive are detected and flipped.
Connect a bank
Link a checking, savings or credit-card account through Plaid to sync 90 days of transactions and live balances into the budget. Uses the Plaid connection quota of your plan (Starter+). Brokerage links made on the Portfolio tab stay separate — this link asks only for transactions.