The engine is five modules wired in sequence. Transactions go in at one end, and what comes out is a budget you can act on mid-cycle instead of a report you read after it. Nothing in between requires you to maintain a spreadsheet.
Bank accounts and cards linked in read-only mode. Settled transactions arrive with merchant, amount, date and account of origin.
Read-only. No payment rails touched.
Each transaction is assigned to one of your categories, with a confidence reading and a full record of what drove the assignment.
Overrides retrain the assignment for next time.
Category totals move against their limits immediately. Threshold and pace breaches raise flags carrying a named reallocation source.
Suggestions wait for approval, always.
Variance to budget by category, trend across periods, and the audit trail of every reallocation that was approved or declined.
Exportable in full, any time.
Four verbs, in that order, running continuously. The sequence matters: tracking is only honest if categorization is current, and a reallocation suggestion is only useful if the flag arrived in time to act on it.
Expenses are categorized automatically as they come in from connected accounts and cards. Nothing is entered by hand, and nothing sits in an uncategorized pile waiting for close.
Every category spend is tracked live against its budget. Committed spend, remaining room and percentage of limit are all current to the last settled transaction.
Categories approaching or exceeding budget are flagged immediately, with the amount, the pace and the day of the cycle attached so the flag is actionable rather than merely alarming.
Under-spent categories are suggested as reallocation sources to cover the overage. You approve, adjust or decline. Nothing moves on the engine's own authority.
Each page covers the mechanics, the settings you control and the figures the module produces. No feature lists without the detail behind them.
Read-only access in, suggestions out. No transfers, no payment releases, no self-approval. If a budget figure changed, a person approved it.
Data and securityOne of them still lets you do something about it.
The category closed at 112 percent. The money left the account three weeks ago. The only decision available now is which line to explain it against.
At 74 percent on day 11 the category is flagged as trending over, with an under-spent line named as the source. You approve the shift, or you tighten the spend. Either way you chose.