Est. Cycle Balance: $0.00

Add Manual Transaction

Transaction Type

Expense (-) Income (+)

Date

Amount ($)

Payee / Description

Account

Is Retirement Expense

Category

Subcategory

Tag (Spending Type) -- None -- Nondiscretionary Discretionary

Cancel Save

First Time User Instructions:

1. Navigate to the Import CSV tab from the sidebar.
2. Select the correct Import Mode (e.g., Normal Bank Statement).
3. Select your Account Target. Ensure you map the statement to the correct account type.
4. Drag and drop your bank's CSV statement or click to upload.
5. Navigate to the Ledger to review and manually categorize unassigned transactions.
6. Go to the Rules tab and click Train Model from Ledger to save your manual categories for future imports.

Definitions for Critical Inputs:

• Account Target (Inverted vs Standard): Credit card statements often export expenses as positive values. Marking an account target as "Inverted" (e.g., AMEX, VISA) securely flips the calculation so expenses correctly register as negative net flows.
• Import Mode (Historical vs Raw): "Historical CSV" is strictly exclusively for importing bulk legacy data utilizing our structured template. Always use "Normal Bank Statement" for standard monthly bank CSVs.
• Retirement Value (Y/N): An optional tag applied in the ledger. Designating an entry with 'Y' intelligently isolates the related cash flow from standard discretionary dashboard tracking.
• Smart Consolidate: An automated algorithm within the Rules engine that cleans up duplicate keyword targeting across the rules dataset.

Account Management

Add Account

Add Type

Transactions & Accounts Registry Automated Categorization Rules W-2 Career Profiles & Tax Inputs App Settings & Projections Include Gemini API Key (Decrypted in file)

Export Backup

Gemini API Key

Get your key from Google AI Studio.

Birthdate

Investment Transactions

Account Transactions

Add Your First Job Profile Import JSON

External & Off-App Accounts

Account Name	Type	Current Balance ($)	Annual Growth %

No external accounts added. Click Add Account to include balances from 401k rollovers, savings accounts, life insurance cash value, brokerage accounts, and more.

Total External Balance $0.00

Feature Release — Subcategory Default Tags & Batch Sync (v1.6.0):

Welcome to CashFlow Tracker v1.6.0! This major update introduces subcategory default spending tags (Nondiscretionary vs. Discretionary), automatic tag defaulting in manual entry and CSV imports, and comprehensive batch sync management.

• Subcategory Default Tags: Configure default spending classifications per subcategory (seeded with essential living standards like Mortgage, Rent, Utilities, Groceries, Insurance, Taxes, Medical, and Debt).
• Smart Entry & Import Auto-Defaulting: The manual transaction entry form and CSV import pipeline automatically pre-select default tags based on the chosen subcategory, while retaining full per-transaction editability.
• Rules & Learning Center Subcategory Tab: Search, filter, add custom subcategories, and toggle default tags with one click in the dedicated 4th tab.
• Flexible Batch Tag Sync: Apply defaults to untagged-only transactions or intentionally overwrite all matching historical transactions with preview and confirmation.

Feature Release — Filter Harmonization & Advisor Visuals (v1.5.8):

Welcome to CashFlow Tracker v1.5.8! This release unifies multi-select Type filters across all primary views, resolves cascading filter state retention, and enhances Advisor Report Section 3 visual analytics.

• Unified Multi-Select Type Filters: Standardized Type filters across Dashboard, Account Flow, Ledger, and Trends & Forecast with multi-select Choices and dynamic option cascade.
• Cascading Filter State Retention: Refactored multi-select readers to prevent premature resets of active Year, Month, and Category selections during cascade loops.
• Advisor Report Section 3 Visuals: Added Income Stability Stream Bar, Elasticity Ratio Progress Bar, and Category Quadrant Heat Grid.

Feature Release — Roth Conversion Estimator & Tax Simulation (v1.5.7):

Welcome to CashFlow Tracker v1.5.7! This update introduces the interactive Roth Conversion Estimator in the Retirement Planner, complete with instant bracket simulations in the Tax Estimation Center.

• Roth Conversion Estimator: Estimate federal tax liabilities on traditional 401(k) / IRA rollovers to Roth, with support for pre-tax and after-tax non-deductible basis.
• Simulate in Tax Center: Seamlessly pass estimated Roth conversion amounts into the Tax Estimation Center to inspect marginal bracket impacts and projected tax obligations.

Feature Release — Cascading Category Filters & Feedback Form (v1.5.6):

Welcome to CashFlow Tracker v1.5.6! This update introduces intelligent multi-dimensional cascading filter logic and a direct customer feedback channel.

• Dynamic Cascading Category Filters: Category and subcategory selectors across all pages only display valid choices for active dates, flow types, and accounts, with auto-pruning.
• Customer Feedback Integration: Open a pre-filled Google Form directly from the sidebar, settings, or about page to share feedback and suggestions.

Feature Release — Investment Overview Asset Class Heuristics (v1.5.2):

Welcome to CashFlow Tracker v1.5.2! This update introduces advanced classification heuristics and a single-pass decumulation/accumulation calculator for investment portfolios.

• Dominant Asset Allocation: Automatically allocates the starting balance of retirement or HSA accounts to their primary security type (Stock, Bond, Mutual Fund) rather than cash sweeps.
• Decoupled Transaction Tracking: Resolves mixed-asset accounts by tracking security changes and cash transactions independently in a chronological timeline.

Feature Release — Account Share & Account Flow Spacing (v1.5.1):

Welcome to CashFlow Tracker v1.5.1! This release introduces the Asset Class / Account Share selector and standardizes the spacing of the expanded Account Flow pivot table.

• Asset Class vs. Account Share: Toggle between individual asset breakdowns per account or a single consolidated portfolio doughnut chart.
• Account Flow Table Alignment: Upgraded the expanded detail table layout under Account Flow to match the styling, paddings, and 7-column layout of the main Ledger.

Feature Release — Advanced 401k Projections & Consolidated Backup (v1.5.0):

Welcome to CashFlow Tracker v1.5.0! This release introduces a highly accurate, daily-weighted 401k calculation system and a full application data backup, merge, and restore utility.

• Daily-Weighted 401k Calculations: Computes retirement matches, pre-tax, Roth, and after-tax W-2 contributions using chronological day-weighted job profile mappings to accurately account for mid-year changes.
• Consolidated Backup & Portability: Export all transactions, rules, job profiles, and application settings to a single encrypted JSON file. Choose between Merging/Deduplicating or Completely Overwriting when restoring on another device.

Feature Release — Liability & Off-App Account Tracking (v1.4.0):

Welcome to CashFlow Tracker v1.4.0! This major update introduces comprehensive tracking for manual, off-app accounts and liabilities alongside standard banking accounts.

• Manual & Off-App Account Tracking: Configure initial/current balances and as-of dates during account creation, allowing seamless tracking of external assets and debts (such as mortgages, auto loans, and student loans) without requiring CSV statements.
• Accounts & Balances Dashboard: Relocated to the Overview sidebar group and upgraded with live Net Worth, Total Assets, and Total Liabilities metrics. It splits your accounts into clear Asset and Liability tables, offering inline edit fields to quickly keep manual account balances and dates up to date.
• Advisor Report Balance Sheet Splitting: The printable Financial Advisor Discovery Report now separates accounts into Assets and Liabilities sub-tables, displaying Total Assets, Total Liabilities, and Net Worth clearly.

Feature Release — Advanced Retirement Planning & Off-App Tracking (v1.3.0):

Welcome to CashFlow Tracker v1.3.0! This major update enables comprehensive tracking of external, off-app accounts within the Retirement Planner and reorganizes the advisor toolkit.

• External & Off-App Accounts: Track non-integrated assets (e.g. external savings, cash-value life insurance, 401k rollovers) with customizable growth rates. They are automatically aggregated into projections and asset pools.
• Continuous Paycheck Numbering: Track your paychecks consecutively across calendar years with customizable reference date anchors.
• Advisor Section Restructure: Consolidated the Advisor Report and Retirement Planner under a single, dedicated "Advisor" navigation category.

Feature Release — Financial Advisor Discovery Report (v1.2.2):

Welcome to CashFlow Tracker v1.2.2! This update introduces a printable, PDF-exportable Financial Advisor Discovery Report to share your local financials with a professional advisor.

• Client & Advisor Demographics: Custom input fields let you specify client and advisor names to automatically populate print sheets.
• Comprehensive Financial Aggregation: Dynamically compiles your balance sheet, annual cash flows, tax profiles, retirement targets, and automation rules for the selected assessment year.
• Print-Ready Styles: Screen navigation is hidden, margins are optimized for standard letter format, and high contrast formatting ensures clean printing or saving to PDF.

Feature Release — Learning Model Rules Portability (v1.2.1):

Welcome to CashFlow Tracker v1.2.1! This update introduces full export and import support for your automated categorization and investment rules.

• Rules Export & Import JSON: Export a unified backup file containing all your banking rules, investment action mappings, and symbol classifications. Easily import the backup on any other device or browser.
• Lucide Icon Integration: The rules management headers feature modern responsive download and upload control triggers.

Major Release — Retirement Planner & Projections (v1.2.0):

Welcome to CashFlow Tracker v1.2.0! This major version introduces long-term retirement planning, HSA medical pool decumulation projections, multi-milestone cash flows, and PWA system upgrades.

• Dual-Pool Decumulation Engine: Projects general assets and HSA health savings separately, incorporating medical categorization, Pre-Medicare and Medicare premiums, pensions, and Social Security timelines.
• Max Sustainable Income Solver: Integrates a binary search projection simulation to automatically solve for the maximum annual income you can withdraw while preserving your target inheritance legacy at life expectancy.
• Scenario Savings Timeline Chart: Plots year-by-year Line trajectories comparing Desired Income, calculated Max Sustainable Income, and Minimum Expenses scenarios.
• Monthly Cash Flow Milestone Chart: Features a stacked bar chart mapping monthly income sources vs. expense outflows at two key milestones: At Retirement Age and At SS Start Age.
• Parameter JSON Portability: Export and import planning scenarios as local JSON files for seamless data portability.
• Dynamic Account Type Registry: Automatically registers custom account types (e.g. Kids Trust, HSA, ESPP) to the Account Type Manager during statement CSV imports.
• UX Manual Refresh: Re-authored user guides in an empathetic, warm, action-oriented, and highly scannable tone.

Feature Release — Job Profile Tax Integration & Customization (v1.1.4):

Welcome to CashFlow Tracker v1.1.4! This version links your Job Profile trajectory directly to the Tax estimation engine, supporting mid-year compensation transitions and customizable alert layouts.

• Weighted Mid-Year Compensation: An advanced chronological algorithm calculates daily-weighted salary and pre-tax deductions to accurately model tax parameters despite raises or pay frequency changes mid-year.
• Tax Sync Button: Explicitly pull computed job details into your calculator inputs with a single click in the Tax parameters form.
• Uncategorized Alert Toggle: Customize your ledger layout by toggling the visibility of the Uncategorized banking transaction banner from the Settings panel.
• Arbitrary Tax Input Validation: Input steps were relaxed to allow typing any custom dollar amounts or decimals without browser validation blocks.

Feature Release — Uncategorized Transaction Review Flow (v1.1.3):

Welcome to CashFlow Tracker v1.1.3! This version introduces an alerts banner and batch review utility for uncategorized ledger transactions.

• Uncategorized Alert Widget: Automatically counts banking ledger transactions that do not have a category assigned and highlights them via a glassmorphic alert widget on the Ledger page.
• Account Filtering: Allows filtering uncategorized entries by target account prior to review to streamline card-by-card statement checks.
• Ledger Batch Review: Reuse the dynamic categorization dialog to quickly classify all pending items and bulk-save them to the database in a single click.

Feature Release — Birthdate Settings & Age-Relevant Insights (v1.1.2):

Welcome to CashFlow Tracker v1.1.2! This version introduces age-relevant financial planning guidance directly integrated into your AI insights dashboard.

• Birthdate Settings: Added a profile section under the Settings panel to securely capture your birthdate locally in your browser.
• Age-Relevant AI Insights: The Gemini advisor dynamically calculates your current age and applies age-tailored financial planning logic (such as catch-up contribution limits, age-based risk tolerance, and retirement milestones).
• Regulatory Catch-Up Warnings: AI suggestions automatically highlight tax-advantaged catch-up rules for ages 50+ (401k/IRA catch-up), ages 55+ (HSA catch-up), and ages 60-63 (401k super catch-up limits).

Feature Release — FICA & State Tax Modeler (v1.1.1):

Welcome to CashFlow Tracker v1.1.1! This version introduces complete check-by-check state payroll taxes and FICA limits estimation, an interactive paycheck selector slider, and enhanced AI insights.

• FICA Limits Modeling: Accurately tracks Social Security (6.2%, capped at $176,100) and Medicare (1.45% base, plus 0.9% additional surcharge above $200k/Single or $250k/Married) across paychecks.
• State Payroll Taxes: Estimates state-specific payroll deductions like California SDI (1.1% uncapped), New York SDI/PFL (capped at week-based limits), and Washington PFML (capped at $176,100) / LTC (0.58% uncapped).
• Paycheck Selector Slider: Added a check-by-check slider interface to track paycheck deductions progression throughout the calendar year and dynamically display tax limit alerts.
• AI Context Expansion: Includes dynamic calculation of annual FICA and state payroll taxes inside the AI advisor context for precise, optimized planning recommendations.

Feature Release — Job Profiles & Career Modeler (v1.1.0):

Welcome to CashFlow Tracker v1.1.0! This version introduces complete career compensation modeling, visual paycheck allocations, and enhanced AI insights.

• Job Profiles Dashboard: Set up compensation packages under the Management section, tracking base salaries, pay periods, 401k savings, withholdings, benefits, and HSA contributions.
• Paycheck Allocation Doughnut Chart: Visualizes your check-by-check breakdown (Net Take-home, Taxes, 401k, HSA, Deductions) alongside pre-tax benefits and employer matching details.
• Salary Trajectory Line Chart: Chronologically graphs salary adjustments and promotions over time to track your career compensation trajectory.
• Data Portability (Import/Export JSON): Save and restore your entire job profile history via downloadable backup JSON files.
• AI Insights Enhancements: Upgraded the intelligence report context to incorporate W-2 compensation parameters (deductions, employer matches) and provide subcategory-level analytics.

Minor Release — AI Insights Dynamic Comparison Periods (v1.0.1):

Welcome to CashFlow Tracker v1.0.1! This version adds customizable time periods for AI analysis on the AI Insights tab.

• Dynamic Period Comparison Selector: Added a dropdown on the AI Insights page to choose between Month, Quarter, Semi-Annual, and Year comparisons.
• Persistent Selections: Selections are preserved in local storage so that your last selected comparison period is remembered when returning to the insights page.
• Dynamic Gemini Prompts: Prompt text dynamically adapts keywords (e.g., "Month-over-Month", "Quarter-over-Quarter") and durations based on user input to generate more accurate, relevant recommendations.

Production Release — Security, Reliability & Investment Filters (v1.0.0):

Welcome to CashFlow Tracker v1.0.0 — the first official production release! This version retires the Beta label and delivers a fully hardened, data-private personal finance platform. All demo and seed data has been removed; the application now starts completely clean, ready for your own financial imports.

• Gemini AI Encrypted Key Storage: Your Gemini API key is now validated live against Google’s endpoint before saving and is stored encrypted using non-extractable AES-GCM keys via the Web Crypto API. Your key is never stored in plain text and is never transmitted to any third-party server.
• Investment Filter Reliability: Resolved a Choices.js lifecycle bug that caused Investment Dashboard, Flow, and Ledger filters to stop responding after the first update. All filter dropdowns now correctly destroy and recreate between data loads.
• Investment Multi-Select Filters: Month and Flow Type dropdowns on the Investment Flow and Ledger views now support selecting multiple values simultaneously for more granular data analysis.
• Filter Hygiene: Eliminated NaN values from Year and Month filter option lists, which previously appeared when transaction date data was missing or malformed.
• HSA Account Import Date Fix: Resolved an issue where the Account Status view displayed “Never” as the last import date for HSA and other accounts after a valid CSV statement import.
• Investment Dashboard Year Boundary Fix: Corrected a timezone-related off-by-one error that caused January 1st transactions to be assigned to the prior year on the Investment Dashboard charts.
• Account Flow Category Sorting: Categories within each monthly group in the Account Flow table are now sorted by the most recent transaction date (descending) rather than alphabetically, making the latest activity easier to find.
• Clean Production Start: All demo transactions, baseline CSV data, and seed accounts have been removed. The application launches to a completely empty state, ensuring no personal data is ever pre-loaded.