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Ledger & imports

Under everything sits a double-entry ledger — the same bookkeeping model accountants have trusted for centuries. Every transaction balances: money that leaves your checking account arrives somewhere (an expense category, an investment, a transfer). That discipline is what makes the numbers above it — cash flow, net worth, tax forecasts — trustworthy rather than approximate.

Imports meet your institutions where they are: broker and bank exports (CSV, OFX/QFX), paystubs, and tax forms (W-2, 1099, and friends) parse directly on your device; optional Plaid linking imports bank transactions automatically. Re-importing the same file is safe — duplicates are recognized, not doubled — and transfers between your own accounts are matched into one movement instead of two mysteries.

Anything the importers can't confidently categorize lands in the categorization queue — surfaced, never dropped. Suggestions are ranked by rules and your own history, and the ranking learns from your choices, on your device.

For investments, the ledger tracks lots and cost basis — imported from your broker's own statements, never through aggregators — so realized gains, holding periods, and wash-sale effects are computed from real acquisition data.