Dashboard

Where the money actually went — from your Monarch Money export.

Net worth

All accounts in one place — assets minus liabilities over time. Update balances monthly, or import Monarch's balances CSV.

Net worth over time

Accounts

Editing a balance records it for the current month; history builds up as you update monthly. In Monarch: Accounts → ⋯ → Download balances.

Budgets

Monthly targets per category, tracked against this month's actual spending.

This month

Detected recurring bills

Merchants that show up most months with a steady amount — your fixed-cost floor.

Add a budget

Investments

Your holdings in one table — allocation, concentration, fees, and unrealized gains. Prices update through your own Supabase project.

Holdings

Ticker · name/account · shares · price · total cost basis · asset class · expense ratio. One-time deploy for live prices: Supabase → Edge Functions → quotes (from supabase/functions/quotes/index.ts, no secrets).

Allocation by asset class

Flags — concentration & fees

Business

P&L from your real transactions, year comparisons, and a tax-prep export your accountant will actually thank you for.

Business accounts

Transactions from these accounts count as business.

Business categories

…and so do transactions with these categories, from any account.

Long-term simulator

Will the plan hold — through China trips, college, and retirement? Adjust anything; everything recomputes.

Household

Income & business

Spending & assets

Retirement contributions

Taxes & strategy

Simplified federal (married-filing-jointly, 2026 brackets indexed to your inflation) + flat state rate. Withdrawals: taxable → pre-tax → Roth. RMDs from 75. See README for assumptions.

Market assumptions

Projected net worth (investable assets)

Median of 1,000 market simulations; the band spans the 10th–90th percentile outcomes.

Historical backtest — every start year since 1871

Would this exact plan have survived the Great Depression, 1970s stagflation, 2008? Real S&P and Treasury returns with each era's actual inflation (Shiller data). Red bars are start years where the plan ran out of money.

Milestones on the path

    Scenarios

    Freeze the current plan as a scenario, change some assumptions, and compare futures side by side — retire at 55 vs 60, elite vs public college, sell the business or not.

    Saved scenarios · check up to 3 to compare against the current plan

    Side-by-side comparison

    Median net worth trajectory per scenario

    Median of 500 market simulations each.

    College fund planner

    Can the savings plan pay every tuition bill, for every kid? Checked three ways: the invoice, a smooth-market run, and 1,000 randomized market futures.

    Beyond the 529s — brokerage earmark & market assumptions

    Only the brokerage slice you dedicate to college. "Pay from salary" is cash you'd cover from income during college years — a powerful lever that never touches markets.

    Aggressive satellite — stress-test a trading sleeve

    Off = the whole brokerage rides the diversified core. On = compare core-only vs. core+satellite on identical markets.

    …

    Wealth path vs. the tuition bills

    Line = median across 1,000 futures; band = 10th–90th percentile of the shown strategy; bars = each August's bills. Watch the staircase drawdown — and any double-bill year.

    529 notes worth money (Missouri household)

    State deduction. Missouri lets a married couple deduct up to $16,000/yr of 529 contributions (any state's plan). At ~4.7% state rate that's roughly $750/yr back.

    Superfunding. Five years of gifts can be front-loaded at once — up to ~$190,000 per kid per married couple. Balance cap $550,000 per beneficiary.

    529 covers living costs. Tuition, fees, room & board, books, computers are qualified — nearly the whole bill for a full-pay family, so gains escape ~20–25% combined tax vs. a brokerage.

    Overflow safety valves. Beneficiary swap between kids (modeled automatically), grad school, or up to $35,000/kid rolled into their Roth IRA (account 15+ yrs old).

    Satellite sizing rule. Fund the sleeve only with dollars above what core-only needs for ~90% success. The floor pays tuition; the satellite is the experiment.

    Aid reality check. Net price at rich-endowment elite schools can run 30–60% below sticker; post-2024 FAFSA counts parent 529s at only ~5.64%. Planning at 0% aid (full pay) is the conservative default.

    Trips & travel

    China visits, vacations, one-off adventures — budgeted as monthly sinking funds and fed straight into the simulator.

    Travel spend by year (today's dollars, next 15 years)

    Options journey & trading journal

    Learn → paper trade → small real money → maybe automate. The checklist keeps you honest about the order; the journal turns trades into measured statistics.

    The journey

    Check items off as you go — progress syncs to all your devices. Phases are gates: don't start the next until the previous is done.

    Log a trade

    When a trade closes: fill in its close date and P&L in the list below. Only closed trades count toward stats.

    Measured performance — paper trades

    Data & settings

    Import from Monarch Money, back up your plan, or start over.

    Cloud sync (Supabase) — optional

    Sync your data to your own free Supabase database: survives cleared browsers, works across devices, and lets the family share one login. Setup guide: docs/SETUP-SUPABASE.md. The app stays fully usable offline; changes sync automatically when signed in.

    Import transactions (Monarch or any bank)

    Monarch CSVs are detected automatically. Any other bank/brokerage CSV opens a column-mapping step — imports are de-duplicated, so overlapping exports are safe. Everything is parsed in your browser and stored locally only.

    Categorization rules

    Bank CSVs rarely include categories. Rules fill them in automatically at import time (first matching rule wins).

    SimpleFIN bank sync (optional, replaces Monarch's auto-sync)

    SimpleFIN Bridge (~$1.50/mo) gives read-only feeds from 10,000+ US/Canadian banks. One-time: create a setup token there, run node tools/simplefin.mjs claim <TOKEN>. Each sync: node tools/simplefin.mjs fetch, then import the JSON here — balances go to Net Worth, transactions merge with rules + dedup.

    Or try a direct sync (your browser may block it; the script always works):

    Plan backup

    Your whole plan (assumptions, kids, trips, transactions) as a single JSON file. Keep it somewhere safe; import it on any other device.

    Privacy

    This app has no server, no accounts, and makes no network requests with your data. Everything lives in this browser's local storage. Clearing browser data clears the app — export a plan backup first.