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Financial Planner

A private, local household budget and long-term planner. It reads the CSV exports from your bank and credit cards, and everything else (people, children, savings, retirement, categories) comes from a few settings you enter in the app or in YAML files.

Built with Claude. This project was developed heavily with Claude (Anthropic's AI assistant) using Claude Code.

Contents

• What it does
• How it works
• Where to start
• All pages

What it does

Section	Answers
Monthly Planner	What do we spend each month, and what's left over if we change things?
Explore Spending	Where does the money actually go, month by month and merchant by merchant?
College 529s	Will each child's 529 cover college, and what would?
Retirement	What income will we have at each retirement age, and is it enough?
Spending Over Time	How do costs change as the kids leave home and after we retire?
Scenarios and Sharing	What's the difference between plan A and plan B?

How it works

your bank / card CSVs ──┐
                         ├──► financial_plan start ──► the app in your browser (127.0.0.1)
your plan's YAML config ─┘          (local only)

1. You keep a plan folder on your computer with a data/ folder of CSV exports and a config/ folder of settings (Plan Folder).
2. Each CSV layout is described once as a source (Data Sources).
3. Rules put each transaction in a category (Categorizing and Rules).
4. The app averages each category and runs the projections (How the Numbers Work).

Nothing is ever uploaded. See Privacy and Safety.

Where to start

• On a Mac and don't code? Install the Desktop App and choose "Try the Demo".
• Just looking? Installation, then pixi run demo for a fictional household.
• Setting up your own plan? Follow the Quick Start.
• Prefer to be guided? Setup with an AI Assistant.
• Something not working? FAQ and Troubleshooting.

All pages

Getting started: Installation · Quick Start · Privacy and Safety

Using the app: Tour of the App · Monthly Planner · Explore Spending · College 529s · Retirement · Spending Over Time · Scenarios and Sharing

Setting up your plan: Plan Folder · Settings Editor · Data Sources · Categories · Categorizing and Rules · Setup with an AI Assistant

Reference: Config Reference · How the Numbers Work · Command Line · Desktop App · FAQ and Troubleshooting · Development