Your current money picture
Start with cash flow, bills, and safe-to-spend before digging into the ledger.
Month Opening Cash
CarryoverSpending by Category
0 transactionsSmart Notes
LocalCustom Notes
Saved locallyFinley AI Coach
Express Tech hostedQuick Asks
One tapGoal Coaching Memory
SharedExpress Tech Hosted AI
ProtectedYour signed-in Full account uses the AI service at ExpressTechPC.com. Customers cannot replace the endpoint, model, system rules, or server credentials.
When you ask Finley a question, Kiventhra sends the question and a limited summary of totals, categories, goals, and budget status. Raw transactions, bank credentials, imported files, and local notes are not sent. If the service is offline, Kiventhra uses its local coach.
Multiple Income Sources
Hourly, commission, bonusCurrency Settings
USDChanges display formatting across Kiventhra AI. It does not convert saved amounts or exchange rates.
Income Average
Ledger basedTax Settings
All streams combinedTax Breakdown
EstimatePaycheck View
Planning onlyThis is a planning estimate for ordinary wage income using IRS 2026 federal bracket figures and SSA 2026 payroll limits. It does not handle credits, itemizing, self-employment tax, local taxes, AMT, capital gains, or every state rule.
Add Transaction
Income uses positive amount, spending uses negativeLedger
| Date | Description | Category | Source | Amount |
|---|
Monthly Budgets
Compared against current month spendingCustom Budget Items
Examples: car payment, truck paymentAI Review Queue
Bill Schedule
Controls Upcoming BillsSavings Goals
Track manually or via imported transfersGoal Coaching
AI memoryInvestable Surplus Generator
STISpending-Based Risk Profile
BehavioralDCA Planning Alert
Cash-flow awarePlanning Guardrails
Safety firstEdition & License
14-day trialKiventhra AI includes one 14-day trial. A license is required after the trial ends.
Subscription Finder
RecurringUpcoming Bills Calendar
45 daysCash Flow Forecast
60 daysPayday Planner
Safe-to-spendDuplicate Import Review
Trust checkFinancial Health Score
Not creditImport Cleanup Review
Before trustBudget Rollover Rules
Monthly behaviorDebt Payoff Planner
Snowball / AvalancheBill Negotiation Notes
RemindersFinance Playbooks
Finley modeBackup & Restore Center
Local safetyWhat Changed?
Monthly reportAI Memory Settings
SharedShared Household Mode
LocalPrivacy Dashboard
Local-firstBug Reporting
Reports to ExpressTechSolutionsBank Connections
Any bank or credit unionImport From File
CSV / ExcelExpected columns: date, description, category, amount. Bank exports with close names are also accepted.