MONEYBOARD: FINANCIAL INTELLIGENCE & FIRE SUITE

A personal finance dashboard built on top of Actual Budget. Cleans up messy bank imports, eliminates transfer duplicates via Smart Read logic, tracks long-term investments, and models retirement scenarios.

LAUNCH DASHBOARD (LOGIN REQUIRED)↗※ Notice: System is private to authorized budget administrators.

📊MONEYBOARD_CORE_DAEMON.STATUS

4 TIERSSWR FIRE SUITE

100%WASH FILTERED (2-DAY)

LOCAL AIOLLAMA CATEGORIZER

PORTFOLIOINVESTMENT TRACKING

Daemon: actual-dashboard.service [ACTIVE // OLLAMA LLM READY]SYSTEM: ACTIVE

01CONTINUOUS SQLITE MONITORING & CLEANUP

Watcher Daemon & Local AI Categorizer

A background systemd service (watcher.js) continuously monitors SQLite database changes. It executes rules-based sign fixers, duplicate detectors, inter-account transfer matchers, and privacy-preserving local LLM categorization via Ollama to ensure zero manual budget overhead.

✦Auto-fixing scripts (auto_fix, refine_categories, audit) run on hot SQLite file watcher loops
✦Local Ollama AI categorizer infers cryptic merchant names without cloud data leakage
✦PDF/CSV bank statement ingestion with automatic institution recognition
✦Privacy demo mode with realistic mock data generator for safe UI demonstration

0msManual Budget Overhead

Local LLMPrivacy-First AI

bretts-terminal://system/01

$systemctl --user status actual-dashboard.service

›● actual-dashboard.service - Actual Budget Dashboard (MoneyBoard)

› [watcher.js] SQLite DB change detected -> running ingestion pipeline...

› [auto_fix] Fixed 4 inverted credit signs, matched 2 inter-account transfers

› [ollama-ai] Categorized 'SQ *COFFEE ROAST' -> Groceries/Discretionary

› [health] Account freshness indicator: 100% (All accounts verified < 24h)

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02WASH FILTERING & STATUTORY SAVINGS ACCURACY

Smart-Read Engine & Income Normalization

Standard budgeting apps distort metrics with credit card payoff transfers, split payments, and temporary reimbursements. MoneyBoard's 2-day sliding window Smart Read engine isolates wash transactions and normalizes gross savings across 401(k) and HSA statutory limits.

✦2-day sliding window algorithm eliminates inter-account transfer duplicates and wash records
✦Filters Venmo/Zelle reimbursement noise to reveal true recurring living burn rate
✦Factors statutory 401(k) and HSA employer/employee limits into true gross savings rate
✦Excludes incomplete current month from historical trendlines to prevent distorted averages

2-DaySliding Window

100%Wash Detection

bretts-terminal://system/02

$node scripts/audit.js --smart-read --normalize-income

›Analyzing 2,410 ledger entries across 8 accounts...

›Smart-Read isolated 512 wash/transfer events within 2-day sliding window

›Normalized Gross Savings: Factoring $23,500 401k + $4,300 HSA contributions

›Verified True Baseline Monthly Burn: $3,840.12 (Variance: 0.00%)

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03WHAT-IF ENGINE, 4 SWR TIERS & INVESTMENT LEDGER

Interactive FIRE Suite & Tax Calculator

An executive retirement planning engine integrated directly into the primary dashboard view. Features 4 Safe Withdrawal Rate (SWR) tiers, a dynamic What-If scenario slider (windfalls, lifestyle creep, post-retirement income), 2025 marginal tax simulation (Federal/State/FICA), and investment portfolio tracking.

✦Tracks multi-account portfolio (Schwab IRA, Roth, Fidelity 401k, Taxable) in SQLite
✦Interactive FIRE milestones: Coast, Barista, Lean, Full, and Fat FIRE timelines
✦What-If scenario engine simulating post-retirement income and tax impact across Traditional/Roth/Taxable
✦Raise & marginal tax simulator computing net take-home changes against 2025 tax brackets

4 TiersSWR Models

5 MilestonesCoast to Fat FIRE

bretts-terminal://system/03

$node scripts/fire_calc.js --scenario='What-If' --swr=0.035 --tax-year=2025

›Portfolio Aggregation: Schwab IRA + Fidelity 401k + Taxable Brokerage

›FIRE Milestones: Coast FIRE [ACHIEVED] | Lean FIRE [3.2 yrs] | Full FIRE [6.8 yrs]

›What-If Simulation: +$1,200/mo post-retirement consulting -> Accels FIRE by 2.4 years

›Marginal Tax Analysis: 2025 Federal Brackets + WI State + FICA optimized

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