Needs review
Medium
Improves future reports
Uncategorized spending needs a label
School app purchase is missing a reliable category.
Why it matters
Trust impact: Reviews imported transactions so projections and kid-visible activity are trustworthy.
Demo household data
No bank connection
Family Insights review workspace
Turn imported activity into trusted budgets, category rules, recurring bills, and kid-safe explanations.
Forecast review
Workspace ready
Open reviews
6
Recurring estimates
2
Category candidates
5
Saved rules
1
Confirmed bills
1
Household money snapshot
Watch cashflow
13 review inputs
A parent-first read on projected cashflow, category pace, bills, and cleanup work before the numbers shape kid-facing explanations.
Next money decision
Uncategorized spending needs a label
School app purchase is missing a reliable category.
Open review queueFinancial analytics scan
Month-end forecast, spending pressure, bill run rate, and merchant movement before workflow cleanup.
Jun 4, 2026 - Jul 4, 2026
Review workflows
Open only when you need to clean imports, confirm bills, create category rules, or inspect the full projection model.
13 tasks
Review workflows
Open only when you need to clean imports, confirm bills, create category rules, or inspect the full projection model.
Review queueClean up imported activity before trusting projections.6
Parent review inbox
Review queue
A compact work queue for category review, spending drift, and recurring-charge changes.
6 open
Open items
6
High priority
3
Main review
Category rules
Marking an item reviewed removes it from the workflow count and improves the trust signals used by projections, category rules, and child-safe explanations. Showing 2 now keeps the queue focused.
Showing top 2 review items. 4 more remain in the full review queue.
Needs review
Medium
3 transactions
Create rule for Netflix
3 transactions usually map to Entertainment.
Why it matters
Trust impact: Improves category rules, future reports, and kid-safe merchant explanations.
Monthly budget outlookProjected income, spend, net, and paycheck timing.
Monthly budget outlook
July 2026 projection based on current pace and prior-month baseline.
Watch cashflow
Low confidence
Projected income
$7,000
Projected spend
$4,416
Projected net
$2,584
Projected net is $3,992.92 below the prior-month baseline, with an estimated 37% savings rate.
Trust blockers
Resolve these before treating the projection as planning-ready.
4 active
Low confidence
OrnaMoney needs more posted transaction history before projections and recurring patterns are reliable.
Needs review
Some spending, recurring charges, or category rules need parent review before insights are fully trusted.
2 more blockers in the full outlook.
Recurring included
Projected spend includes $86 in spoken-for monthly bills.
3 due next 30
Groceries is the largest pressure point
Projected $2,119 over baseline. Reduce pace by $78.48/day to land near plan.
Paycheck timing
Next expected income is around Jul 15. At the current pace, planned spending before then is about $1,608.
biweekly
Spend plan projection5 over-plan categories; top pressure is Groceries.5 overLow confidence
Spend plan projection
July 2026: day 4 of 31
Low confidence
Budget correction plan
Daily corrections show the pace change needed to land near baseline.
Reduce 5 categories
Daily correction
$147.89
reduce per day
Top category
Groceries
$2,118.86 over baseline
Plan coverage
5/5
all visible categories targeted
Monthly pressure
$3,993
Projected over baseline
No daily cushion
$0
27 days left in this plan
Categories over plan
5/5
0 watching
Projected over baseline
Projection compares current pace with last month baseline.
$3,993
Groceries Reduce Groceries by the daily correction to land near baseline.
Top corrections today
Start with the largest daily pace changes before scanning the full category list.
3 actions
Priority 1
$78.48
Groceries
Reduce pace by $78.48/day to land near baseline.
Priority 2
$32.34
Shopping
Reduce pace by $32.34/day to land near baseline.
Priority 3
$15.24
Transportation
Reduce pace by $15.24/day to land near baseline.
Groceries
Over plan
$297 spent · $2,298 projected · $179 baseline
$2,118.86
over baseline
Projected140% of baseline
Daily correction: reduce pace by $78.48/day to land near plan.
Shopping
Over plan
$128 spent · $995 projected · $122 baseline
$873.09
over baseline
Projected140% of baseline
Daily correction: reduce pace by $32.34/day to land near plan.
Transportation
Over plan
$59 spent · $456 projected · $44 baseline
$411.6
over baseline
Projected140% of baseline
Daily correction: reduce pace by $15.24/day to land near plan.
Personal care
Over plan
$49 spent · $380 projected · $49 baseline
$330.75
over baseline
Projected140% of baseline
Daily correction: reduce pace by $12.25/day to land near plan.
Entertainment
Over plan
$37 spent · $287 projected · $28 baseline
$258.61
over baseline
Projected140% of baseline
Daily correction: reduce pace by $9.58/day to land near plan.
Change driversMerchants causing the biggest movement this period.4Needs review
Spending change drivers
Merchants with the biggest movement versus the previous period.
Needs review
Fresh Market
$476 this period vs $0 before
+$476
Up
Target
$197 this period vs $54 before
+$142
Up
Shell
$103 this period vs $0 before
+$103
Up
School app purchase
$15 this period vs $0 before
+$15
Up
Subscription watchlist2 estimates to confirm; 3 due in the next 30 days. Next action: Confirm recurring rule for Neighborhood Gym.2Low confidence
Subscription watchlist
Repeated bills, estimated monthly cost, and price changes worth reviewing before they shape the plan.
Low confidence
Spoken-for monthly
$19.99
$85.98 detected run rate
Unconfirmed exposure
$65.99
2 estimated charges
Price-change risk
$6
monthly increase
Confirm before trusting
Estimated bills are not fully trusted until a parent confirms them.
3 due next 30
Next bill: Netflix around Jul 20 for $19.99.
Next action: Confirm recurring rule for Neighborhood Gym before treating it as fixed monthly spend.
Recurring review queue
Confirm these before treating them as fixed monthly spend.
$65.99/mo
Neighborhood Gym
Medium
High run rate
High recurring run rate at about $49.00/month.
$49
monthly
Apple Music
Medium
Price increase
Price is up about $6.00/month if the new amount holds.
$16.99
monthly
Neighborhood Gym
Detected for planning
Personal care · next around Aug 1
Likely recurring; confirm before treating it as fixed monthly spend.
$49
monthly
Netflix
Confirmed for planning
Entertainment · next around Jul 20
Included as spoken-for spend in the monthly plan.
$19.99
monthly
Show remaining detected charges1 more
Apple Music
Estimated candidate
Entertainment · next around Aug 2
Estimated from limited history; confirm before relying on it.
$16.99
monthly
Review needed: price changed by $6 since the prior charge.
Manage confirmed recurring rules1 active
Confirmed recurring rules
Parent-confirmed charges are used as planned monthly spend.
Netflix
$19.99 · monthly · next Jul 20
Category rule candidates5 merchant fixes waiting; 1 saved rules active. Next action: Create rule for Netflix.5Low confidence
Category rule candidates
Turn repeated category fixes into reusable merchant rules for future reports and kid-safe explanations.
Low confidence
Next action: Create rule for Netflix so future matches classify automatically.
Cleanup queue
Needs category cleanup
13 imports
5 high-confidence merchant fixes
Saved overrides
Parent-approved
1 rule
Parent override wins for analytics display.
Kid-safe labels
Source retained
Preserved
Plaid source data stays stored; kid-facing labels use reviewed categories.
Category review impact
Parent-approved categories win for reports and kid-safe labels while Plaid source data stays preserved.
Needs review
Saved rules
1
Queue
5
Imports affected
13
Creating a rule moves that merchant out of the queue, increases saved rules, and applies the parent-approved category to future imports.
Create rule for Netflix
Parent-approved rule applies Entertainment to 3 matching imports and future Netflix activity.
high
Matched imports
3
Future imports
Parent-approved
Kid-safe label
Entertainment
Parent-approved category improves reports and kid-safe labels while Plaid source data stays preserved.
Create rule for Apple Music
Parent-approved rule applies Entertainment to 3 matching imports and future Apple Music activity.
high
Matched imports
3
Future imports
Parent-approved
Kid-safe label
Entertainment
Parent-approved category improves reports and kid-safe labels while Plaid source data stays preserved.
Show remaining category candidates3 more
Create rule for Target
Parent-approved rule applies Shopping to 3 matching imports and future Target activity.
high
Matched imports
3
Future imports
Parent-approved
Kid-safe label
Shopping
Parent-approved category improves reports and kid-safe labels while Plaid source data stays preserved.
Create rule for Neighborhood Gym
Parent-approved rule applies Personal care to 2 matching imports and future Neighborhood Gym activity.
high
Matched imports
2
Future imports
Parent-approved
Kid-safe label
Personal care
Parent-approved category improves reports and kid-safe labels while Plaid source data stays preserved.
Create rule for Shell
Parent-approved rule applies Transportation to 2 matching imports and future Shell activity.
high
Matched imports
2
Future imports
Parent-approved
Kid-safe label
Transportation
Parent-approved category improves reports and kid-safe labels while Plaid source data stays preserved.
Manage saved and manual corrections
Saved corrections
Fresh Market
Groceries
More report context
Planning impact, review workflow, and supporting trends stay available after the core money review.
More report context
Planning impact, review workflow, and supporting trends stay available after the core money review.
Family finance loop
Reviewed data powers parent projections and kid explanations.
Review imports
Save rules
Confirm bills
Kid-safe lessons
Planning impactRules, recurring spend, and remaining blockers feeding projections. Kid-safe labels reflect parent-reviewed categories.
Planning impact
13 blockers
Planning still needs parent cleanup.
Rules feeding projections
2
1 category; 1 recurring
Confirmed recurring spend
$19.99
2 estimates left
Kid-safe labels
11
5 category candidates affect explanations
Remaining blockers
13
6 open review items
Next correction: open review items can distort projections and kid-safe explanations.
Review to better projectionsHow reviewed activity improves projections, rules, and monthly outlook.
Review to better projections
Needs review
Review imported transactions, correct categories, confirm recurring charges, then return to the monthly outlook.
3
Review imported transactions
New or uncategorized items that can distort reports.
5
Correct categories
Repeated merchants that can be classified automatically.
2
Confirm recurring charges
Estimated bills become spoken-for spend once confirmed.
5
Return to monthly outlook
Re-check budget pressure after review and confirmed rules.
Supporting trendsTrends and learning opportunities after the core money review.
Supporting trends
Trends load after the review, category rules, and recurring-charge workflow.
Confidence appears with loaded trend data.
Family learning opportunities