Cash flow by month

Cash receipts and payments, excluding recognised internal transfers. Mortgage payments include financing cash flow; this is not a tax P&L. Currency lines are kept separate.

Cost structure and opportunities

Significant transactions and drill-down

Data reliability

Financial intelligence

Balances and spending below are scoped to your selected entity. Historical balances are not live. Multi-currency figures are never combined without FX conversion.

Money movement · trend and concentration

Account drill-down

Repeated payments and possible savings

Recurring payments are not necessarily duplicates. Redacted descriptions reduce confidence. Large transfers and mortgage repayments are excluded from subscription candidates where identifiable.

Source data and limitations

Accounts

Import bank transactions

Choose the bank account first. Santander supports semicolon-delimited CSV exports with Date, Type, Merchant/Description, Debit/Credit, Balance. Duplicate rows in repeated imports are skipped.

Original CSVs give better merchant categorisation than redacted copies. Data is sent only to your authenticated Supabase database.

Recent transactions

Property and asset register

Insurance, compliance and renewals

This version shows upcoming renewals in the app; it does not yet send push reminders.

Liquidity & scenario planning

Scenario calculations are illustrations, not forecasts of market returns. Enter only uncommitted, accessible cash; cash inside companies, SIPPs and LISAs is not automatically available.

Bear, base and bull use assumptions around your chosen return. They are not probabilities, guaranteed outcomes or personalised investment advice. Currency-specific commitments must be converted using an explicit FX assumption.

CFO exception review

Reviews currently loaded transactions only; no scheduled automatic monitoring is active.

Investment Manager · HL, Trading 212 & crypto

Upload HL account-summary.csv for each ISA, LISA and SIPP. Import is idempotent by source + account + name + snapshot date. Market prices and news are not live-connected yet.

Action-first investment watchlist

High-priority flags are signals to review, not automatic buy/sell instructions. Quotes only update when edited or a quote feed is connected.

Morning briefing — on demand

Macro news, crypto prices and daily 24h changes cannot be represented as live until trusted market/news feeds and a scheduler are connected.

Property operations & owner separation

Link every task to a property and legal owner; keep your father's properties operational only, without merging his finances.

Maintenance, tenancy, compliance & documents checklist

This release stores task metadata. Secure upload, extraction and indexing of contracts/certificates requires a private storage integration and is not yet implemented.

Two independent reporting packs

Working papers are preliminary. They do not calculate final tax or constitute filed accounts. Reconcile full bank periods, ownership allocations, interest certificates and adjustments before accountant review.

Latest completed months only. Figures are historical until the underlying accounts are connected.

What needs attention

Three-month trends by currency

Where money went

Rental receipt evidence

Significant transactions

Reliability and scope

Bank connections and imported statements

These institutions are supported by the account registry. A registered account is not a live bank connection. All documents and transactions remain private in Supabase; do not place any bank passwords or API secrets in this browser app.

Adds dated balances from the statements you provided, only after your confirmation; skips existing matching records. Does not import PDF transaction detail.

Import Lloyds / TSB company CSV

For the exported AU Estates company account. Nine monthly exports can be selected together; transaction hashes prevent repeat imports.

Import Chase UK CSV

Automation status