Action Center
- 3 transactions to classifyA small backlog — route these whenever convenient.
Widget library · rendered live on sample data
Every widget, running live.
All 29 dashboard widgets, rendered here on realistic sample data and sized the way they land on your board.
Overview5
Control Brief
ALLOCATE
Surplus available
Retained income exists. Allocate to runway, debt reduction, assets or owner compensation.
Month Pulse
This month2026-06
- Income
- $9,100.00 ▲ 1.7%
- Burn
- $5,500.00 ▲ 5.8%
- Net
- $3,600.00 vs avg
Avg income $8,950.00 · avg burn $5,200.00
Runway Projection
5.5mcash runway · depletes 19 Dec 2026
Cash $28,500.00 at $5,200.00/mo burn.
Net-Worth Velocity
▲ $3.2k/monet-worth velocity · now $139,420.00
- $250.0kMay 2029~2.9 yr
- $500.0kNov 2035~9.3 yr
- $1000.0kOct 2048~22.3 yr
Linear fit over 12 months of journal-posted net worth.
Stats9
Net Worth
$142,380.00Runway
18.0mBurn / Mo
$5,200.00Margin
41.6%Assets
$189,000.00Liabilities
$46,620.00Cash Position
Available Liquidity
$33,880.00Asset Mix
- Cash
- 15.1%$28,500.00
- Semi-liquid
- 5.6%$10,500.00
- Illiquid
- 79.4%$150,000.00
Finance13
Credit Facilities
| Facility | Limit | Drawn | Headroom | Utilization |
|---|---|---|---|---|
| Liabilities:CreditCard:BNZ:Advantage | $10,000.00 | $4,620.00 | $5,380.00 | 46.2% |
Operating Statement
BurnRevenue
RevenueBurnMargin
2026-01$8,800.00$4,900.0044.3%
2026-02$8,860.00$5,200.0041.3%
2026-03$8,920.00$5,500.0038.3%
2026-04$8,980.00$4,900.0045.4%
2026-05$9,040.00$5,200.0042.5%
2026-06$9,100.00$5,500.0039.6%
Ledger Confidence
99.8%
- Classification
- 99.8%
- Custom Rules
- 1,027
- NZFCC Fallback
- 210
- Suspense
- 3
- Suspense Value
- $48.00
Balance Sheet
| Account | Type | CCY | Balance |
|---|---|---|---|
| Cash | |||
| Assets:Bank:BNZ:Everyday | Assets | NZD | $8,500.00 |
| Assets:Bank:BNZ:Savings | Assets | NZD | $20,000.00 |
| Subtotal | $28,500.00 | ||
| Semi-Liquid (~2 days) | |||
| Assets:Investments:Sharesies:Emergencies | Assets | NZD | $10,500.00 |
| Subtotal | $10,500.00 | ||
| Illiquid | |||
| Assets:Investments:KiwiSaver | Assets | NZD | $80,000.00 |
| Assets:Property:Garage | Assets | NZD | $70,000.00 |
| Subtotal | $150,000.00 | ||
| Liabilities:CreditCard:BNZ:Advantage | Liabilities | NZD | $4,620.00 |
| Liabilities:Loan:Car | Liabilities | NZD | $42,000.00 |
Net Worth Trend
$139,420.00ledger-posted net worth
Net worthAssetsLiabilities
Journal-derived. Manual balances (snapshots without history) are excluded, so the latest point may differ from the headline figure.
Rolling Average
Income (3mo avg)Burn (3mo avg)
Expense Breakdown
Housing:Rent$24,000.00
56%
Food:Groceries$10,200.00
23.8%
Expenses:Transport$4,800.00
11.2%
Software:SaaS$2,160.00
5%
Expenses:Health$1,680.00
3.9%
Income Breakdown
94.2%from Income:Salary · concentration risk
Income:Salary$84,000.00
94.2%
Income:Dividends$4,200.00
4.7%
Income:Interest$960.00
1.1%
Recurring & Subscriptions
$4,378.31committed / mo
$52,539.72annualized
- Spotify$14.99/mo
- Rent$2,000.00/2wk
- Gym$29.99/mo
Detected from repeating descriptions with a stable cadence and amount.
Income Concentration
94.2%from Income:Salary · Concentration risk
1.1effective income sources3 total · lower = riskier
- Income:Salary
- 94.2%$84,000.00
- Income:Dividends
- 4.7%$4,200.00
- Income:Interest
- 1.1%$960.00
Cashflow Waterfall
$2,600.00net in 2026-06 · $9,100.00 in · $6,500.00 out
Latest month: income consumed by each expense category down to net.
Spending Anomalies
NOTHING UNUSUAL IN 2026-06
Spend Calendar
$2,082.00spent across 30 active days
LessMore
Data1
Journal
COUNTDOWN PONSONBYgroceries
D Expenses:Food:Groceries $86.40C Assets:Bank:BNZ:Everyday $86.40SPOTIFYsubscriptions
D Expenses:Software:SaaS $14.99C Assets:Bank:BNZ:Everyday $14.99SALARYsalary
D Assets:Bank:BNZ:Everyday $4,400.00C Income:Salary $4,400.00Actions1
Suspense Queue
ALL CLASSIFIEDNo transactions parked in suspense.