Overview

Income vs outflow

expense + debt service; transfers excluded
Income Expense Loan / EMI

Where it goes

Top payees

by value

Transactions

Accounts

Discovered automatically from the message stream — nothing was enrolled by hand.

Recurring commitments

Budgets

Seeded from your own history. Edit any figure to set your own — it persists across rebuilds.

Data quality

What the SMS source can and cannot tell you. Most trackers hide this.

From inbox to ledger

Reconciliation

credit-limit checksum

Message intents

Largest unexplained gaps

money that moved without an SMS