Personal, household, business, client, project — each gets its own entity with its own records, its own access, and its own tax year. Your AI works inside one at a time, so a client receipt never lands in the family budget.
assist with a business returnassist with reconciling
PersonalHouseholdStudio LLCClient
Statement · Feb
reconciled
Receipt · hardware
needs category
Tax context · 2026
4 open questions
Research loops
Good ideas your AI can borrow.
Short playbooks for a kind of money work — the right questions, in a sensible order. Entirely optional: your AI can follow one, adapt it, or ignore them all.
Close out a month
5 steps
pull every statement for the period
categorise what's new and flag what's odd
reconcile against the closing balances
note the questions only you can answer
save the summary with its sources
Get ready for a tax return
6 steps
confirm which entity and which year
gather income and expense evidence in one place
map each category to its tax treatment
flag anything that needs a professional
list the missing documents by name
leave the accountant a clean summary
Find where the money actually went
4 steps
pick the period and the entity
group spending by what it was for, not the merchant name
compare against the same period last year
record what surprised you
Set a budget you'll keep
5 steps
start from what you actually spent, not what you meant to
separate fixed, variable and irregular
give every irregular cost a monthly share
set the number and the review date
record why each line is what it is
Catch subscription creep
4 steps
list every recurring charge in the period
mark last used, not last paid
price the annual cost of each
decide keep, downgrade or cancel — with a date
What it keeps
Your accounts and evidence stay in Finances.
Finances can't see your songs and Music can't see your statements. Sharing a report or a period is a deliberate, revocable act — and Finances never holds a bank password, a cookie or a browser session.
Works with what you already use
Your AI brings the reading, the maths and the research.
When you authorise it, your AI can work through a statement in its own environment, categorise in bulk, chase down a charge and prepare tax context. Finances stores what went in, what came out, the evidence behind it and the questions still open — so the work adds up instead of scattering.