Ledger liveORB-01

Operating balance

Aggregated from your local transaction graph — no cloud sync.

Net flow (all time)

Asymmetric gridGlass stack
Income—Inflows · typed ledger
Expenses—Outflows · normalized
Savings rate—Income − expenses

Event stream

Recent transactions

Newest signals from the local ledger.

Open ledger

  • Northwind Labs — Payroll

    —
    2026-03-28·IncomeRecurring

  • Target

    —
    2026-03-26·Shopping

  • Venmo — split utilities

    —
    2026-03-25·Income

  • Interest — Savings

    —
    2026-03-24·Income

  • T-Mobile

    —
    2026-03-23·UtilitiesRecurring

  • New Seasons Market

    —
    2026-03-22·Groceries

  • Uber

    —
    2026-03-21·Transportation

  • CVS Pharmacy

    —
    2026-03-20·Health

Allocation mesh

Budget zones

Spend vs ceiling — mock categories from your store.

Mesh detail

Housing

Stable

—

Groceries

Stable

—

Dining

Stable

—

Transportation

Stable

—

Entertainment

Stable

—

Shopping

Stable

—

Trajectory

Savings vectors

Targets pulled from local goal state.

All vectors

Emergency fund — 6 months

Due 2026-12-31

—

69% funded

Kyoto spring trip

Due 2027-03-15

—

38% funded

Used EV down payment

Due 2027-08-01

—

36% funded

Home office refresh

Due 2026-09-30

—

37% funded

Signal queue

Smart insights

Heuristics on mock cashflow — local only.

Queue

positive

Cash runway extended

Liquid checking + savings cover about 4.6 months of your modeled essential spend — up slightly from last month.

positive

Dining spend is calm

Restaurant and café charges are 18% below your trailing 90-day average for this point in the month.

neutral

Subscription creep check

You have three recurring entertainment charges; none increased in price this cycle.

caution

Shopping category pace

General shopping is at 70% of budget with a week left — worth a quick review before any big purchases.