Load six months of fake data so you can break the thing before you trust it with real numbers.
Same payee, similar amount, regular gap, three times or more. This is where "it just evaporates" usually lives.
Name it as the actual thing, not "savings". "Savings" is not a goal, it's a noun.
Only personal accounts count toward safe-to-spend. Business accounts are tracked for tax and kept out of your spending number.
Rent, insurance, school fees — anything that must come out of a personal account. These are subtracted before you see a spendable number.
Calculated on money into business-kind accounts since 1 July. Tag a transaction as tax when you pay the ATO and it comes off. This is a set-aside estimate, not tax advice — your accountant does the real number.
If the description contains the text, it gets the category. Longest match wins. Re-running applies them to everything already imported.
Everything lives in this browser's localStorage on this page's origin. No server, no account, no sync. Back it up or you will lose it.