Personal finance evidence and reporting workspace

For

Individuals, freelancers and small finance teams tracking personal or client money

Solves

Financial data sits across accounts, statements and currencies, so categorization, monitoring and reporting are manual and hard to defend.

Delivers

Reviewed, source-linked financial picture with alerts and scheduled reports

Built in

about 6 weeks of creation time, MVP in 7 days

Investment

$13,000 for the MVP, $44,000 for the full product

Run it

Inside your business, or as part of your offer to clients

Reduce manual bookkeeping and reporting effort while keeping every figure traceable.

1. Connect and aggregate multiple financial accounts.
2. Upload PDFs and statements and extract transactions.
3. Categorize transactions automatically with confidence scores.
4. Detect recurring charges and subscriptions.
5. Project short-term cash flow from current balances.
6. Track investments, deposits and crypto holdings.
7. Convert and view multiple currencies together.
8. Answer plain-language questions about finances.
9. Accept voice queries for the same questions.
10. Detect spending patterns from rules and history.
11. Produce charts and visual spending breakdowns.
12. Monitor accounts in real time and alert on unusual activity.
13. Apply GST and tax tracking settings.
14. Build customizable dashboards for key metrics.
15. Generate reports on a schedule.
16. Compare the reviewed result with the recorded baseline and value assumptions.
17. Capture corrections and named-owner approval before consequential use.
18. Export a versioned reviewed, source-linked financial picture with source references and unresolved questions.

Everything these tools do, in one app

• Conversational financial queries Ask plain-language questions about finances and get instant answers.Found in Lums, Finlingo, Amigo AI and 1 more
• Automated transaction categorization Automatically organize transactions into categories without manual tagging.Found in Lums, Amigo AI
• Account aggregation Connect and view multiple financial accounts in one place.Found in Lums, Finlingo, Amigo AI
• Recurring charge tracking Identify and monitor subscriptions and recurring expenses.Found in Lums, Finlingo, Amigo AI
• Cash flow projection Project short-term balance changes to anticipate cash flow.Found in Lums
• Multi-currency support Manage and view accounts in different currencies together.Found in Lums
• Visual insights Provide charts and visual breakdowns of spending and trends.Found in Lums, Candle
• Real-time monitoring and alerts Monitor accounts in real-time and send alerts for unusual activity or rising costs.Found in Finlingo
• Voice assistant Interact with the assistant using voice commands for financial queries.Found in Finlingo
• Pattern detection Detect patterns by combining rule-based checks with learning from historical transactions.Found in Finlingo
• Document parsing Upload PDFs or statements to automatically extract transactions and insights.Found in Amigo AI
• GST support Built-in tools for GST (India) to assist with tax-related tracking.Found in Amigo AI
• Multilingual interface Support for multiple languages including Chinese, Spanish, French, and Russian.Found in Amigo AI
• Asset tracking Track investments such as mutual funds, stocks, fixed deposits, and crypto.Found in Amigo AI
• Customizable dashboards Create and customize dashboards to monitor key metrics in real-time.Found in Candle
• Data source integration Integrate with popular data sources and platforms for seamless data import.Found in Candle
• Automated report generation Generate reports automatically with options for scheduled delivery.Found in Candle

What goes in, what comes out

The workflow

1. In
   Start with

   Connected accounts, uploaded statements, transaction history and tax settings

2. 1

   Confirm the buyer's problem and scope

3. 2

   Collect connected accounts

4. 3

   Uploaded statements

5. 4

   Transaction history and tax settings

6. 5

   Then follow this sequence: 1

7. Out
   Finish with

   Reviewed, source-linked financial picture with alerts and scheduled reports

AI does the heavy lifting, people stay in charge

Use AI to interpret permitted inputs, suggest structured mappings and generate candidate outputs for the stated task modules. Use deterministic code for arithmetic, currency conversion, schema validation, hard constraints and reproducible tests. Review source-linked explanations and uncertainty before accepting results. Final tax positions, investment decisions and report sign-off remain with the account owner or qualified adviser. A model suggestion is never a verified fact, professional decision or authorization to act.

What your team sees

Primary screens: Account and document intake, Review and categorization workspace, Reports and alerts. Use a connected-accounts list, a central transaction table with category and confidence columns, and a right-hand panel for source documents, rules and comments. Let users compare periods side by side. Display draft, needs review and approved states. Provide a shareable report link with figures anchored to their source transactions. Make the task-specific outcome reviewed, source-linked financial picture with alerts and scheduled reports visible beside its evidence, review state and value baseline.

Accounts and administration

Account ownership, connection permissions, document versions, review states, alert rules, report schedules, export history and a rights record for supplied statements. Add organization access boundaries, named reviewers, usage caps, data retention controls, export logs and explicit approval for external actions.

Integrations and data access

Bank and card account connections, statement uploads, spreadsheet import/export and reporting destinations. Start with file exchange and validate destination specifications before promising direct bank write access. Start with authorized file exchange. Validate current provider access, usage rights and schema behavior before promising a connector.

We build with our own AI software development factory, so most implementations take days to a few weeks of creation time, not months. You see working software at every step, and exact timing depends on availability.

1. 1

   Scoping call

   Day 1

   Thirty minutes on your process, your data and how you want to run it: for your own team, or for your clients. You get a fixed scope and price for the MVP.

2. 2

   MVP

   7 days

   One buyer segment, one recurring use case; first modules: connect and aggregate multiple financial accounts; upload PDFs and statements and extract transactions; categorize transactions automatically with confidence scores. Manual review in the loop. Built by our AI software factory.

3. 3

   Paid pilot

   8 days

   Accounts, roles, review states, audit trail and the first integration, hardened for two to three paying pilot customers.

4. 4

   Full product

   3 weeks

   Self-serve onboarding, billing, monitoring and the wider integration set.

5. 5

   Run and improve

   Monthly

   We host, monitor and improve it for a fixed monthly fee, or hand it over to your team. How the retainer works.

Why we start with an MVP

An MVP, or minimum viable product, is the smallest version that your users can actually work with. It is not a cheap version of the full solution. It is a test, built to answer the questions that decide whether the rest is worth building.

1. Pick the riskiest assumption. Here: will individuals, freelancers and small finance teams tracking personal or client money use it to solve "financial data sits across accounts, statements and currencies, so categorization, monitoring and reporting are manual and hard to defend"?
2. Build only what tests it. One team, one use case, a few core modules. People do the rest by hand for now.
3. Run a paid pilot. Agree quality and outcome thresholds before the pilot using this measure: Reconciled transactions per review hour and reporting corrections after delivery.
4. Measure, then decide. Track reconciled transactions per review hour and reporting corrections after delivery; accepted-output rate; material error rate; reviewer correction time; actual repeat purchase. Then expand, change course or stop, with evidence instead of opinions.

MVP scope for this solution. Pilot scope: One currency set, one statement format and one tax region; final tax positions and report sign-off remain with the account owner or qualified adviser. Implement one approved input format, a bounded representative case set and the first three task modules: connect and aggregate multiple financial accounts; upload PDFs and statements and extract transactions; categorize transactions automatically with confidence scores. Support later modules with operator review. Include source references, corrections, basic organization access, approval states, export and value measurement. Use managed operator assistance for unresolved exceptions. The cost estimate covers this narrow prototype, not unrestricted multi-tenant scale, complex production integrations, specialist certification or physical operations.

After the MVP. Once paid pilots prove usefulness, automate repeatable reviewed steps and add one verified source integration. Expand supported currencies, statement formats and case volume only after new evaluation cases pass. Build reusable customer configurations and recurring value reports around the reviewed, source-linked financial picture. Retain the explicit scope boundary: One currency set, one statement format and one tax region; final tax positions and report sign-off remain with the account owner or qualified adviser.

What the build depends on. Account connection and preview, asynchronous parsing jobs, editable transaction history, reviewer access and tested export formats. High-fidelity tax work requires specialist review. Obtain representative authorized cases, baseline measurements, qualified reviewers and a buyer-side decision owner. Specific limitation: One currency set, one statement format and one tax region; final tax positions and report sign-off remain with the account owner or qualified adviser.

A planning range to start the conversation, not a quote. You pay per phase, so you can stop after the MVP.

Running costs per month

A rough indication of monthly hosting and AI model costs once it is live, not tested. Real costs depend on usage, file sizes and the models chosen.

Your brand, or this one

Run it under your own brand, or start from this concept style.

Selling it to your own clients: the go-to-market playbook

Pricing to test

Test a USD 300-1,500 fixed pilot for one defined account and statement package. Offer a monthly monitoring and reporting allowance after repeat demand. Quote complex multi-entity, multi-currency or tax work separately. These are test prices, not market benchmarks. Package the initial sale as one bounded reviewed, source-linked financial picture. Recurring fees must specify volume, review depth and integration support. For exchanges, test a disclosed coordination or successful-service fee rather than holding customer funds. Reprice only after measuring real delivery labor; platform-build cost is separate from a commercial pilot fee.

Message to test

Reduce manual bookkeeping and reporting effort while keeping every figure traceable. Demonstrate a concrete reviewed, source-linked financial picture using the buyer's approved example and show the baseline, corrections and actual delivery effort.

Where to find buyers

Individuals, freelancers and small finance teams professional communities; specialist consultants serving this buyer; permissioned partner introductions; practical demonstrations at relevant trade or practitioner events.

Lead magnet

A reviewed sample financial picture from a small authorized statement set, with a transparent calculation of reconciled transactions per review hour and reporting corrections after delivery and no promised savings.

The first 30 days

1. Week 1: interview five individuals, freelancers or small finance teams and inspect a recent example of financial data sitting across accounts, statements and currencies.
2. Week 2: prepare a consented or synthetic demonstration of the three task modules.
3. Week 3: seek one bounded paid pilot with agreed baseline and acceptance criteria.
4. Week 4: measure reconciled transactions per review hour and reporting corrections after delivery, reviewer effort and repeat-purchase interest. This is a demand-validation plan, not a thirty-day full-product delivery promise.

Paid pilot

Agree quality and outcome thresholds before the pilot using this measure: Reconciled transactions per review hour and reporting corrections after delivery. Continue only if the buyer accepts the actual output, the intended job outcome improves without unacceptable errors, and measured delivery cost fits willingness to pay. Revise or stop if access is unavailable, qualified review cannot be provided, or apparent savings disappear after corrections and support. Use held-out cases when comparing model quality; use a properly reviewed comparison design before making causal claims. Record missing cases and negative results alongside successful outputs.

Success metrics

Reconciled transactions per review hour and reporting corrections after delivery; accepted-output rate; material error rate; reviewer correction time; actual repeat purchase.

Retention and expansion

Repeat the workflow when the buyer again needs a reviewed, source-linked financial picture. Retain permissioned settings and reviewed examples, report realized value honestly, and sell increased volume or adjacent approved workflows only after contribution margin and quality remain acceptable.

Why clients would pick it

A reusable library of approved categorization rules, statement formats and review examples, together with reliable delivery for a narrow finance niche. Build a permissioned library of representative task cases, reviewer corrections and verified operating constraints for individuals, freelancers and small finance teams. Repeatable delivery and useful integrations matter more than access to a base model.

Alternatives and positioning

Lums, Finlingo, Amigo AI and Candle, plus spreadsheets and manual bookkeeping. Compare this product with the buyer's present method on reconciled transactions per review hour and reporting corrections after delivery. Offer a bounded paid workflow instead of claiming broad autonomous expertise. Market uniqueness and competitor coverage are not verified.

Main delivery costs

Account aggregation calls, document parsing, storage, reviewer hours, client revision rounds and licensed data sources. Additional initial validation requires representative authorized sample preparation, buyer interviews, buyer-side evaluation and bounded validation of the reviewed, source-linked financial picture. Track cost per accepted output, including correction work, unsuccessful cases and support.

Preserve data accuracy, source attribution, calculation transparency and account permissions. The account owner or qualified adviser approves tax positions, investment actions and report scope. One currency set, one statement format and one tax region; final tax positions and report sign-off remain with the account owner or qualified adviser. Keep all consequential actions under authorized human control and do not fabricate missing inputs, permissions, professional judgments or market evidence.