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Analysis

Read the result and its limits.

Analysis shows recorded figures first and qualifies or withholds conclusions when coverage or review readiness is incomplete.

Current app path

Analysis tabCompleted-month Analysis, Spending Pace, Category Intelligence, cash-flow waterfall, wealth trajectory and the 30-, 60- and 90-day cash outlook are available through the external beta.

Required

  • At least one completed statement month for a completed-month view

Optional

  • Six reviewed months for stronger comparisons
  • Confirmed assets and liabilities for a fuller position

What can block completion

  • Missing coverage
  • Transactions awaiting review
  • Provisional balances
  • Insufficient history
Local financial data
Analysis is calculated from the on-device ledger and its evidence.
Privacy or AI boundary
Deterministic analysis is local. Chat explanations are a separate optional external-AI boundary.
If it does not work
Choose Refresh financial analysis, then open Data confidence or Required for [month] and resolve the source.
01

Choose the month

  1. Open Analysis.
  2. Use the month selector. The latest finished month with evidence is selected; the current month is In progress.
  3. Read statement coverage and classification readiness separately.
Position Analysis showing a completed fictional statement month with spending, income and savings context
Understand a completed month with statement-derived spending, comparisons and savings context. Fictional sample data.
02

Read the cards

  • Overview: spending, income and savings context.
  • Drivers: category and merchant movement, recurring activity and spending pace when mature.
  • Balance Sheet & Horizon: confirmed position and supported historical movement.
  • Outlook: 30-, 60- and 90-day scenarios with assumptions—not guarantees.
  • Evidence: Data confidence, statement timing and reconciliation.
Position Category Intelligence ranking fictional completed-month spending categories and prior-month movement
Rank the categories driving a completed month and compare them with the prior month. Fictional sample data.
Position Wealth Trajectory showing a fictional six-month history of verified net worth, liquid reserves and debt
Follow evidence-dated net worth, liquid reserves and debt across completed statement months. This is history, not a projection or investment performance; this example contains no included confirmed physical-asset values. Fictional sample data.
03

Open the evidence

  1. Select a material figure or evidence control.
  2. Read source, as-of date, method, confidence and exclusions.
  3. Import or review a missing source, then refresh Analysis.
04

Fictional example

The approved frame uses fictional sample data and demonstrates a completed month. It does not imply live bank connectivity.