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Features

Every tool, warm by default.

A full personal-finance suite — AI statement parsing, household sharing, budgets, goals, reports, and a dedicated net worth tracker. Every feature built on the same warm garden metaphor.

Track

See every cent without spreadsheeting every line.

Flagship

AI statement parsing

Drop in a CSV, TSV, PDF, or even a photo of a paper statement. CoinSprout routes text files through GPT-4o, images through vision, retries on failure, and handles European and US number formats. Up to 500 transactions per upload. Parses silently in the background while you get coffee.

  • Strict date validation — no silent Feb-30 rollover
  • Duplicate detection against existing transactions
  • Confidence scoring — low-confidence rows get a warm double-check badge
  • Nothing saved until you commit

Transactions, done right

Every transaction has a date, amount, category, account, and optional notes. Split an expense, mark a transfer, attach a receipt photo, or bulk re-categorize dozens at a time. Keyboard-navigable, swipe-to-delete on mobile.

  • Split expenses with proper netting (your share, not gross)
  • Transfer detection auto-pairs opposite-amount entries
  • Receipt image attachments per transaction
  • Filter by search, account, category, date, amount

Multi-currency accounts

Each account holds its own currency. Per-account views render in the native currency. Cross-account totals convert into your display currency using the FX rates you manage on the Rules page. A subtle badge appears when conversion approximates a missing rate.

  • EUR, USD, GBP, JPY, CHF, CAD, AUD, BRL out of the box
  • FX rates editable from the Rules page
  • Approximation badge when a rate is missing — honest, not silent

Plan

Budgets, goals, and a calm forecast.

Flagship

Budgets with health signals

A monthly cap per category with a progress ring. Health emoji (🌿 Thriving · 🌱 Growing · 🍂 Needs attention · 🥀 Over budget) tells you where you stand at a glance — no red sirens for a latte. Reimbursements from split expenses feed back in automatically so your food budget recovers when your friend pays you back.

  • Monthly budget per category per household
  • Split-aware net spending (not gross)
  • Ready-to-plant list of categories without budgets

Savings goals that bloom

Plant a goal with a target amount, pick an optional target date, and CoinSprout calculates the monthly amount you’d need to save. Goals evolve through stages — seed 🌰 to bloom 🌸 — so progress feels earned. The Reports tab shows ETA and on-track / behind-pace status.

  • “Water the goal” modal for manual contributions
  • On-track / behind-pace badges based on your savings rate
  • Active vs bloomed sections

Recurring transactions

Templates for rent, salary, subscriptions — daily, weekly, monthly, or yearly. A Convex cron posts them automatically. Short months are handled safely so a “31st of the month” template doesn’t skip.

  • Active / paused toggle per template
  • Day-of-month clamping for short months
  • Upcoming schedule visible on the Recurring page

Cash flow projection

A three-month forecast in the Reports tab. Balance trajectory area chart, income and expense bars, and a “Current” reference line — built from your recurring templates and historical variable-spending averages.

  • 3-month window, updates as recurring templates change
  • Historical variable spending averages smooth the curve

Share

Real household mode — not “add a second login.”

Flagship

Households

Create a household, invite your partner with a one-time code, and share joint accounts, budgets, goals, and rules. Personal accounts stay private. Role-based access with an owner and members. The owner can transfer ownership but can’t erase history.

  • Joint accounts (household-scoped) alongside personal ones
  • Household-scoped budgets, goals, and auto-categorization rules
  • 7-day invite codes with revoke
  • Leave any time — personal accounts come with you

Activity feed

Every material change in a household is logged: member joined, left, removed; invite created, revoked; account, budget, goal planted; goal bloomed; unusually large transaction. Append-only, household-scoped, collapsible on the household page.

  • Append-only audit trail per household
  • Capped metadata so nothing can bloat the database
  • Personal moves stay private

Multi-household switching

Belong to more than one household (your own, your parents’, a shared flat)? Switch active household from the navbar. Every household-scoped query respects the switch — budgets, goals, rules, recurring, activity.

  • Dropdown in the navbar when you’re in 2+ households
  • activeHouseholdId remembered per user

Understand

Reports that make sense at a glance.

Flagship

Net worth tracker

A dedicated Net Worth page with current value, month-over-month delta, all-time growth, and an area chart with 6M / 1Y / All toggles. Stack-break by account. Six garden milestones from First Sprout to Mighty Oak mark the journey.

  • Monthly history derived from every transaction
  • Per-account percentage of total
  • Milestones: First Sprout · Growing Roots · Strong Sapling · Flourishing · Deep Roots · Mighty Oak

Nine report views

Date range picker with presets plus custom range. Category breakdown donut, monthly income-vs-expense trends, daily activity heatmap, month-over-month comparison, rolling-average trends, savings-rate dual-axis, goal pace, three-month cash flow projection, and year-over-year with metric toggle.

  • Split-aware netting across every report
  • Summary cards with month-over-month deltas
  • Financial health badge (🥀 / 🌰 / 🌱 / 🌿 / 🌸) from savings rate

Custom report builder

Compose your own report: pick which sections to include, set date range and account filters, preview inline, save the configuration, reload and re-export any time. Export to PDF with formatted tables.

  • Saved configurations stored per user
  • PDF export with themed header and summary stats

Weekly and monthly digests

Opt-in digest emails via AhaSend. Garden-themed HTML with income, expenses, net savings, top categories, and a savings-rate gauge. Choose weekly or monthly. “Send test” button for previewing.

  • Per-user opt-in, per-user frequency
  • Best-effort delivery — one failure doesn’t abort the batch

Auto-categorization rules

Teach CoinSprout once, and every matching transaction is categorized automatically forever. Match on description (contains / starts-with / exact / regex) or amount, scope to an account or all of them, priority-order them. Apply a new rule backwards to your existing history in one click.

  • Regex validated at save time — bad patterns rejected early
  • “Save as a rule” prompt when you recategorize a transaction
  • “Apply to past” button runs the rule on historical data

Every feature, in one garden.

Free while CoinSprout is sprouting. Import a statement and see how fast it clicks into place.