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 (mostly sitting in biz or paid down biz CC)
Estimated Real Family Wealth Change
Investments + Savings + Personal CC Paydown + Business Profit
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 Statement
Found transactions.
Expenses / Bills
DateVendorCategoryAmountStatus
1099 Contractors —
NameTINEmailYTD Total1099 Req?
S-Corp Salary vs Distribution Optimizer
SalaryDistributionFICA TotalQBI DeductionFederal TaxTotal TaxEffective Rate
Reasonable salary floor: BLS 25th percentile for is . Going below this is an IRS audit trigger.
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
Trial Balance — As of
AccountDebitCreditBalance
Cash Flow —
Operating:
Investing:
Financing:
Net Change in Cash:
Current
1-30
31-60
61-90
90+
Federal Tax Liability
Est. YTD
Effective Rate
On taxable income
Marginal Rate
Next dollar bracket
Payments Made YTD
Quarterly + W/H
Balance Due / (Refund)
Projected
Safe Harbor Target
📅 Quarterly Estimated Payments —
QuarterDeadlineRequiredPaidRemainingStatus
📊 QBI Deduction Calculator (§199A)
QBI Deduction
💰 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…
✓ ·
🔍 Suggested Recurring Items
⚡ Auto-categorizes
YTD Income
YTD Lifestyle Spend
YTD Net (Savings Capacity)
🏦 YTD Saved
Savings accts + biz debt paydown
📈 YTD Invested
Brokerage + crypto (speculative growth)
Avg Spend/Month
months with 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
📅
recurring items pending this month ·
Items with auto-post enabled will be added automatically. Click "Post Now" to add them all immediately.
Monthly Net (Income − Lifestyle Spend)
✓ Savings capacity available ⚠ Spending exceeds income
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
📅 Upcoming in Next 14 Days
This Month vs Last Year
vs
🧠 AI Financial Advisor
Scope:
Quick prompts:
⚡ Claude is analyzing…
Spend by Category —
active · /mo · /yr
Name Type Category Frequency Amount Monthly Next Charge Auto-Post This Month
YTD : · This month:
Income This Month by Person —
All Income Entries
entries · Total
DatePersonSourceTypeAmountNotes
selected
Total:
entries ·
Date Vendor Category Kind Amount Payment Notes
active subs · /mo · /yr
🧠 Subscription Audit
Potential savings: /mo · /yr
📺 Active Subscriptions
ServiceMonthlyAnnualLast UsedDays IdleRenews
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
If you can save /mo (a 20% cut on recurring), invested 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
Import Bank/CC Transactions
Expected CSV columns: Date, Description, Amount. OFX/QFX parsed automatically.
DateDescriptionAmount
DescriptionAmount
Subtotal
Tax
TOTAL
Log Contractor Payment
Log Pay Run
Add Fixed Asset
Add Vehicle
Log Trip
Add Personal Income
Add Deduction
This bill will be auto-posted for this month and every month after, all the way to now. To backfill January, set this to YYYY-01.
Tap whenever you actually use it — helps Claude flag dead subscriptions later.
Recommended for fixed bills (mortgage, insurance, streaming). Turn off for bills that vary (electric, water) — log those manually when they arrive.
📄 Import Credit Card Statement
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…
transactions found · · ••
Date Vendor Category Kind Amount
Refunds/credits are skipped automatically. Edit vendor/category inline before importing.
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
⚠ 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, recurring, 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" }
  ],
  "recurring": [
    { "name": "Netflix", "amount": 17.99, "frequency": "monthly", "type": "subscription",
      "category": "Subscriptions", "paymentMethod": "Chase ••1234", "startMonth": "2026-01" }
  ],
  "transactions": [
    { "date": "2026-01-15", "vendor": "Publix", "amount": 87.43,
      "category": "Groceries", "kind": "variable", "paymentMethod": "Chase ••1234" }
  ]
}
⚡
Credit Cards
Income Entries
Recurring Items
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
Strategy Run Detail