Viewing · scoped to past month
YTD Revenue ·
YTD Expenses
YTD Net Income
Margin:
Best Month
·
Worst Month
·
Monthly P&L —
Net Income — ›
Margin:
Revenue (Active Month) ›
All revenue streams
Expenses (Active Month) ›
Operating + COGS
Cash Position
Across all accounts
💵 Cash Flow View
Cash Flow ·
Actual money in/out of the bank account — includes CC payments, distributions, transfers (everything, not just P&L)
YTD Inflows
YTD Outflows
Net Cash Change
Monthly Cash Flow —
Inflows − Outflows per month
Net Cash —
Cash In (Active Month) ›
Revenue + transfers + deposits
Cash Out (Active Month) ›
Expenses + CC payments + distributions
Non-P&L Movements
CC payments + transfers + draws (not in P&L)
🧠 AI Financial Advisor
Scope:
Quick prompts:
⚡ Claude is analyzing…
🧠 CPA-Ready Year Insights — ·
✓ Performance Highlights
⚠ Concern Areas
📊 Expense Breakdown
Owner Comp / Reasonable Salary Check
⚡ Tax Strategy Implications
📋 Questions for Your CPA
🧠 Monthly Review —
✅ Action Items
⚠ Expense Flags
Viewing · Consolidated across Personal + business · scoped to past month
Family Total ·
Combined Personal + all business entities — true household economic picture
YTD Combined Net
Personal Net
in − out
Business Net
rev − exp
Best Month
·
Worst Month
·
Family Net by Month —
Personal net + Business net per month
Combined Net —
Personal (Active Month)
in − out
Business Combined (Active Month)
rev − exp
Cash Position (All Accounts)
Business accounts only — add personal manually
💎 Family Wealth Breakdown — YTD
Where the Combined Net actually landed (cash, debt, investments)
Why this matters: "Combined Net" above is P&L profit (the economic value created). But that value gets split between cash you can spend, investments that grow, debt that disappears, and business cash that's stuck. This breakdown shows where it actually went.
📈 Money to Investments YTD
Coinbase, Robinhood, business equity contributions
🏦 Money to Savings YTD
Savings accounts, HYSA, emergency fund
💳 Personal CC Debt Paydown YTD
cards tracked · ⚠ card(s) missing opening balance — edit cards to add All openings set
💼 Business Profit RETAINED
MIG + Elevate net income less owner distributions — only profit still inside the business counts here, because anything distributed already shows up above as personal income that funded savings/investments.
Estimated Real Family Wealth Change
Investments + Savings + Personal CC Paydown + Retained Business Profit
⚠ No owner distributions are posted to account 3020 this year, so all business profit is being treated as retained. If you actually took money out of MIG or Elevate, record those draws — otherwise this figure double-counts profit that already reached your personal accounts.
Note: This excludes business CC debt paydown (AMEX) which would add another ~$10-25K of wealth growth if those statements were imported. Also excludes lifestyle spending that went to home improvement / capital purchases (those build home equity, not lifestyle).
🧠 AI Financial Advisor
Scope:
Quick prompts:
⚡ Claude is analyzing…
By Entity —
Click any entity to drill into its dashboard
EntityRevenueExpensesNet IncomeCash Net
Personal · Household —
TOTAL —
⚡ Tax Strategy Alerts
Recent Activity
Upcoming Bills (Next 14 Days)
Journal —
transactions
DateDescriptionCategoryAmountTypeSource
A/R Aging
Current
1-30 days
31-60 days
61-90 days
90+ days
Invoices
shown / total
NumberClientIssuedDueTotalStatus
📸 Receipt Upload
🧾
Drop a receipt or click to upload
JPG, PNG, or PDF. Claude will extract vendor, date, amount, and category.
⚡ Analyzing receipt with Claude…
💳 Credit Card / Bank Statement
Statement uploads now run through the reviewed import flow, which detects income vs expense vs transfers, applies your vendor rules, and lets you check every category before anything is written.
Expenses / Bills
DateVendorCategoryAmountStatus
1099 Contractors —
NameTINEmailYTD Total1099 Req?
S-Corp Salary vs Distribution Optimizer
SalaryDistributionFICA TotalQBI DeductionFederal TaxTotal TaxEffective RateAudit Risk
The tradeoff:
Reasonable salary floor: BLS 25th percentile for is ; the median is . Under IRC §162 and Rev. Rul. 74-44 the IRS can recharacterise distributions as wages when officer comp is unreasonably low.
Total tax = federal income tax + employee FICA + employer FICA. Employer payroll tax is deducted from pass-through income, and federal tax is computed after the standard deduction.
Pay Runs —
Pay DateEmployeeGrossFed W/HFICANet
YTD TOTALS
Fixed Asset Register
NamePurchasedCostMethodThis Year
🚗 Vehicle Mileage — Standard vs Actual
Profit & Loss —

Revenue

Total Revenue

Expenses

Total Expenses
Net Income
Balance Sheet — As of

Assets

Total Assets

Liabilities & Equity

Total Liabilities
Total Liabilities + Equity
⚠ Out of balance by . Assets must equal Liabilities + Equity. This usually means a journal entry was posted with unequal debits and credits, or a transaction references an account that no longer exists. Check the Trial Balance report.
✓ In balance — Assets = Liabilities + Equity
Trial Balance — As of
AccountDebitCreditBalance
Cash Flow —
Operating:
Investing:
Financing:
Net Change in Cash:
Current
1-30
31-60
61-90
90+
⚠ Tax tables loaded are for (last updated ) but you are viewing . Update the TAX_CONSTANTS block in the Worker and redeploy before relying on these figures.
Total Federal Liability
Income tax · Addl Medicare · NIIT
Effective Rate
Total federal ÷ AGI
Marginal Rate
Next dollar bracket
Payments Made YTD
W/H + Est
Balance Due / (Refund)
Projected
Safe Harbor Target
🧾 How this was calculated
W-2 wages
Investment income
AGI
Less deduction
⚠ SALT of capped at for your income level.
Less §199A QBI deduction
Taxable income
Federal income tax
Additional Medicare (0.9%)
Net Investment Income Tax (3.8%)
Total federal liability
📅 Quarterly Estimated Payments —
⚠ Not set — the safe harbor is falling back to 90% of this year's estimate. Basis in use: . Withholding of is netted out first, leaving across four vouchers.
QuarterDeadlineRequiredPaidRemainingStatus
📊 QBI Deduction Calculator (§199A)
Insurance agents/brokers are excluded from the SSTB definition — leave unticked for MIG.
QBI Deduction
50% W-2 wage limit:
💰 Solo 401(k) / SEP Optimizer
Employee Deferral Limit
Employer Match Max (25%)
Remaining Room
Contribute before Dec 31 to reduce taxable income
📦 CPA Tax Package Generator
Builds a multi-section PDF for your CPA: P&L and Balance Sheet for each S-Corp, officer comp summary, depreciation schedules, vehicle mileage, 1099 summary with EINs, personal W-2/K-1/deductions, estimated payments, QBI worksheet, and an AI-generated narrative summary of the tax year.
Package generated for
Generated at
💡 Strategy History
Run DateCountTotal Impact
Viewing · scoped to past month
⚡ Reading receipt…
✓ ·
⚡ Auto-categorizes
YTD Income
YTD Lifestyle Spend
YTD Net (Savings Capacity)
After moving to savings/investments, cash actually left over:
🏦 YTD Saved
Savings accts + biz debt paydown
📈 YTD Invested
Brokerage + crypto (speculative growth)
Avg Spend/Month
months with spend data
Best Month (Net)
·
Worst Month (Net)
·
Monthly Net —
🧠 Annual Insights —
✓ What Went Right
✗ What Went Wrong
📊 Biggest Category Shifts
🎯 Improvement Plan for Next Year
📄
Nothing logged yet for
Every month starts at $0. Upload your bank and card statements and this fills in with what actually cleared.
Monthly Net (Income − Lifestyle Spend) ›
✓ Savings capacity available ⚠ Spending exceeds income
Cash left after saving/investing:
Income This Month ›
paychecks logged
Lifestyle Spend This Month ›
Variable · Discretionary
🏦 Saved This Month ›
Savings accts, HYSA, biz debt paydown (defensive)
📈 Invested This Month ›
Brokerage + crypto (speculative growth) · ⚠ capacity unallocated ✓ Full capacity allocated
This Month vs Last Year
vs
🧠 AI Financial Advisor
Scope:
Quick prompts:
⚡ Claude is analyzing…
Spend by Category —
Totals
Not Counted as Spend —
Money that moved accounts or became wealth
YTD : · This month:
Income This Month by Person —
All Income Entries
entries · Total
DatePersonSourceTypeAmountNotes
selected
Total:
entries ·
Date Vendor Category Kind Amount Payment Notes
services billing · /mo avg · /yr run-rate
Built from actual charges categorized Subscriptions over the last 12 months. Nothing is projected — a service only appears once it has really hit a statement. Miscategorized charge? Fix its category in Transactions and it moves.
🧠 Subscription Audit
Potential savings: /mo · /yr
📺 Subscriptions Actually Billing You
ServiceAvg / moLast 12moMonths BilledLast ChargeLatestTrend
Total balance: / limit · Min: /mo
🎯 Payoff Planner
Debt-Free In
Total Interest
Minimum Required
CardStartPayoff MonthTotal Interest
Executive Summary
✂️ Top Cuts (Ranked by Impact)
📈 If You Invest the Savings
Redirecting /mo into a brokerage at 7% annual return:
In 10 Years
In 20 Years
Annual Savings
📊 Category Movement vs 3-Month Average
CategoryThis MonthΔ vs AvgDirectionNote
⚠️ Anomalies
📞 Negotiation Reminders
✅ Next Actions This Week
📚 Past Reviews
Latest: ·
Net Worth
Assets
Liabilities
Snapshots
📈 Compounding Projector
Your average actual spend is /mo across months of statements. If you can cut 10% of that — /mo — and invest it at 7%/yr:
In 5 Years
In 10 Years
In 20 Years
In 30 Years
Snapshots
DateAssetsLiabilitiesNet WorthNotes
Total W-2 Wages
K-1 Income
Investment Income
Itemized Total
Standard:
Income Sources
TypeSourceAmountWithholding
Itemized Deductions
CategoryDescriptionAmountNotes
🎯 Deduction Strategy
Itemized Total
Standard Deduction (MFJ)
Document Vault —
NameTypeSizeUploaded
Entities
Chart of Accounts —
NumberNameTypeTax CategoryActive
Backup & Data
Tax constants: 2026 estimates. Update the TAX_CONSTANTS block at the top of moran-finance-worker.js when the IRS finalizes, then paste the updated Worker code into Cloudflare and redeploy.

Change password: in Cloudflare → your Worker → Settings → Variables and Secrets → edit SYNC_PASSWORD, save, redeploy. Then sign out here and sign back in with the new password.

AI features: if receipt OCR, the Tax Strategy Engine, or the CPA narrative don't work, add an ANTHROPIC_API_KEY secret to the Worker and redeploy.
AccountDebitCredit
DescriptionAmount
Subtotal
Tax
TOTAL
Log Contractor Payment
Log Pay Run
Add Fixed Asset
Add Vehicle
Log Trip
Add Personal Income
Add Deduction
📄 Import Statement income-aware v6
Drop in a credit card statement PDF or screenshot. Claude reads it, extracts every charge, and auto-categorizes for household budgeting.
⚡ Claude is reading your statement…
to import ( income · expense · skipped) · · ••
Date Vendor / Source Type Category Kind / Person Amount
Deposits like paychecks are auto-detected as income and logged to your Income list. Only card payments and moves between your own checking accounts are skipped — money going into savings, a brokerage, or a kid's investment account comes in as an expense categorized Savings / Investments, so it counts toward Saved & Invested instead of spend.
Everything is editable, including Type — if a row was skipped that shouldn't have been, switch it to expense and pick a category. A ⚠ same $ flag means two rows are probably the same money moving; import only one.
📄 Upload Statement — engine v5
Drop in a bank or business credit card statement (BofA / AMEX). Claude reads it, extracts every charge, and matches each to your Chart of Accounts.
⚡ Claude is reading your statement…
to import ( income · expense · skipped) · · ••
Date Description Type Category Amount
Deposits are auto-detected as income; internal transfers & card payments are skipped. Rows the categorizer was unsure about start unselected with no category — assign one to import them. They are never auto-filed into the first account. Edit any description/category inline.
⚠ row(s) need a category before they can be imported
— ·
items · Total
DateDescriptionCategoryAmount
Every transaction that makes up this number for . The × deletes the whole transaction; + Add opens the transaction form.
— · Personal
items ·
DateVendor / SourceCategoryAmount
Every item that makes up this number for . Income comes from your Income list; spend from your transactions. × deletes; + Add opens the form.
Year baseline — used to calculate YTD debt paydown
Assets
Liabilities
⚙ Maintenance
Most of these are one-time setup tools. You normally won't need them on a monthly basis. Active entity: .
📖 Vendor Rules (Memory)
Vendor → category rules the system applies on every future import. Edit your saved mappings (e.g. "Verizon" always → Telephone & Internet, "Hand and Stone" on Elevate → Owner Distribution).
🧹 Personal Household Cleanups
The old recurring feature auto-posted projected bills. Anything it wrote for Aug 2026 or later is a guess, not real bank data — clear it so the month starts at $0 and fills in from your statements. Jan–Jul stays untouched.
⚠ Personal Danger Zone
Irreversible. Use these only when re-doing your data from scratch.
⚠ Danger Zone
Irreversible. Use only when re-doing your data from scratch.
Switch to a specific entity (Personal, MIG, or Elevate) to access entity-specific reset tools.
📖 Vendor Rules — auto-categorization memory
When you upload statements or run Bulk Import, the system looks up each vendor against this rule list and auto-applies the matching category. The system learns from your manual edits — anytime you change a transaction's category, you can save it as a rule for next time.

Pattern matches: Substring match, case-insensitive. "Verizon" matches "VERIZON WRLS RCCRNG PMTS". "Publix" matches "AplPay PUBLIX #2096".

Scope: personal applies only when active entity is Personal. business applies to any business entity. all applies everywhere.
⚠ Unsaved changes
PatternScopeCategoryKindNotes
📦 Bulk Import Business Transactions —
Bulk import pre-parsed bank/CC transactions into the active business entity. Each transaction maps to a Chart of Accounts category via categoryNumber (preferred) or categoryName. Dedups by date + similar description + amount.

Format: 
{
  "transactions": [
    { "date": "2026-01-02", "description": "FPL Electric",
      "amount": 96.12, "type": "expense",
      "categoryNumber": "6120", "categoryName": "Home Office",
      "paymentAccountNumber": "1010", "paymentAccountName": "Operating Cash",
      "notes": "Optional" }
  ]
}
⚡
✓ Imported · duplicates skipped
Transactions
Revenue
Expenses
Net
By Category
By Month
📦 Bulk Import (JSON)
Paste a JSON file with cards, income, and transactions arrays. Use this when you have all your statements pre-parsed (e.g., Claude analyzed them in chat) and want to import everything at once. Cards with names that already exist are skipped.

Format: 
{
  "cards": [
    { "name": "Citi Diamond Preferred", "last4": "9876", "balance": 4250.30,
      "apr": 0, "limit": 12000, "minPayment": 85, "statementDay": 15, "dueDay": 12,
      "notes": "0% promo APR until 2027-03" }
  ],
  "income": [
    { "date": "2026-08-15", "source": "Southern Airways Payroll", "amount": 3120.44,
      "person": "Amanda", "type": "W-2 Net Paycheck" }
  ],
  "transactions": [
    { "date": "2026-01-15", "vendor": "Publix", "amount": 87.43,
      "category": "Groceries", "kind": "variable", "paymentMethod": "Chase ••1234" }
  ]
}
⚡
Credit Cards
Income Entries
Transactions
By Card
By Month
For household cashflow, log the net (after-tax take-home) — that's what actually hits the bank to spend.
📚 Review —
Top Cuts
Log Quarterly Tax Payment
Edit Entity
Tick this for consulting, law, accounting, health, athletics, performing arts, or financial/brokerage services. An SSTB loses its QBI deduction entirely once taxable income rises above the phase-out range, which changes your tax estimate materially. Insurance agents and brokers are expressly excluded from the SSTB definition (Reg. §1.199A-5(b)(3)(x)) — leave it unticked for the insurance agency.
Strategy Run Detail