01Composition group

Money & metrics

Headline balances, budget pace, and honest charts for trend, share, and capacity.

9 built · 9 declared

Budget vs actual

2×

August budget

Budget vs actual

Over

$730

$730 of $960 · 76%

$58 over the expected pace

Forecast for the full month

$1,000

At this pace you finish $40 over budget. Dining is the one to move.

Dining119%
Groceries77%
Transport67%
Housing88%

Spending against the expected pace for the month, with a forecast and the margin left.

Spending by category

2×

August · 21 days

Spending by category

Housing$2800.0%
Groceries$200−3.2%
Dining$190+18.4%
Transport$67−6.1%

Net change vs July

Dining is the only category moving against you.

Category share as a donut beside exact amounts, percentages, and net change.

Cashflow trend

2×

Cashflow

Income against spending

$550

Net this month · Your widest margin since March.

Income$1,280

Spending$730

Income against spending over a switchable range, with an exact-value readout.

Ranked category breakdown

3×

August · ranked

Spending by category

Total tracked

$737

The top three categories are 91% of everything you spent this month.

Categories ranked by share with exact amounts at the end of every bar.

Savings goal progress

3×

Goals

What you're saving for

3 active

Emergency fund$3,400 / $6,000

57% · $2,600 to go

Japan trip$1,250 / $3,000

42% · $1,750 to go

New laptop$400 / $2,400

17% · $2,000 to go

Automated: $120/mo into Emergency fund · next transfer Aug 26

Named goals with progress bars, exact balances, and the automation that fills them.

Net worth sparkline grid

4×

Across all accounts

Net worth

Cash

$2,150

+$180 this month· +180.0%

Investments

$12,400

+$4.20 this month· +4.2%

Debt

-$3,100

−$140 this month· −4.5%

Net worth

$11,450

+$420 this month· +420.0%

Debt is falling while cash and investments grow — the mix is moving the right way.

Asset-class tiles with 12-month sparklines and honest direction labels.

Spend distribution histogram

2×

August · 71 transactions

Spend distribution

Most purchases are small — most of the money is not

Median $14.20Mean $31.80

Two transactions over $200 carry more than the fifty smallest ones combined.

Transaction sizes bucketed so the long tail — where the money is — shows itself.

Month-over-month bars

3×

Month over month

July vs August

First 21 days of each month, same categories

Dining$190 / $160+$30

Groceries$200 / $210

Transport$95 / $90+$5

Utilities$128 / $130

AugustJuly

Dining +18.8%

Dining is the only category moving against you. Groceries quietly came in under.

Paired bars comparing the same categories across two periods, overruns marked.

KPI row

6×

Available balance

$1,700

+6.2%across 3 accounts

Spent this month

$730

-4.1%vs the same point in July

Budget remaining

$450

-12.4%9 days left in the cycle

Due soon

$160

0.0%4 bills in the next 14 days

Four period-aware balances with signed deltas and meaningful sparklines.

02Composition group

Tables & ledgers

Transaction tables, account feeds, statement subtotals, and selection states.

10 built · 10 declared

Transactions table

4×

Corner Coffee
−$7.40
Northbank ·· 4412
ClearedDining · 08-08
Whole Foods
−$50
Northbank ·· 4412
ClearedGroceries · 07-08
August salary
+$1,300
Summit Credit ·· 9071
ClearedIncome · 05-08
Grab
−$3.84
Paylink wallet
PendingTransport · 05-08
Monthly rent
−$340
Summit Credit ·· 9071
ClearedHousing · 03-08
City Power
−$30
Summit Credit ·· 9071
FailedUtilities · 02-08

Recent transactions
Merchant	Category	Date	Status	Amount
Corner Coffee Northbank ·· 4412	Dining	08-08	Cleared	−$7.40
Whole Foods Northbank ·· 4412	Groceries	07-08	Cleared	−$50
August salary Summit Credit ·· 9071	Income	05-08	Cleared	+$1,300
Grab Paylink wallet	Transport	05-08	Pending	−$3.84
Monthly rent Summit Credit ·· 9071	Housing	03-08	Cleared	−$340
City Power Summit Credit ·· 9071	Utilities	02-08	Failed	−$30

Merchant identity, category, status, and right-aligned signed amounts.

Selectable ledger with bulk bar

4×

Circle K
−$2.56
Dining08-08
Shopee
−$36
Shopping07-08
Baemin
−$8.60
Dining07-08
Shell
−$19
Transport06-08
Netflix
−$10
Subscriptions05-08

Merchant	Category	Date	Amount
Circle K	Dining	08-08	−$2.56
Shopee	Shopping	07-08	−$36
Baemin	Dining	07-08	−$8.60
Shell	Transport	06-08	−$19
Netflix	Subscriptions	05-08	−$10

2 selectedTotal selected $44.60

Checkbox selection with a floating bulk-action bar and a destructive confirm.

Account activity

2×

Household

Account activity

MT
Minh recategorised Shopee → Shopping
12 minutes ago
NH
Hannah split Monthly rent across 2 people
1 hour ago
K
Kinly matched a receipt to Whole Foods
3 hours ago
MT
Minh edited the note on Grab · airport run
Yesterday, 21:40
NH
Hannah moved Netflix to Summit Credit ·· 9071
Yesterday, 09:12

A compact feed of who did what to which account, with relative time.

Statement with subtotals

3×

Statement · August 2026

Spending by category

Monthly rent03-08−$340
City Power02-08−$30
City Water02-08−$7.44
Subtotal−$377.44

Expandable category groups with subtotal rows, aligned amounts, and a grand total.

Recurring bills list

3×

Recurring

Upcoming bills

Monthly rent
Aug 1
+$340
Paid
Netflix
Aug 12
+$15.49
Due soon
City Power
Aug 18 · estimate
+$38
On track
Gym membership
Aug 20
+$29
Paused

Due in the next 14 days

$53.49

Next up: Netflix on Aug 12

Recurring bills with due dates, statuses, pause switches, and a 14-day total.

Upcoming payments timeline

2×

Next 14 days

Upcoming payments

Netflix
$15.49
Today
Aug 12 · Northbank ·· 4412
City Power
$38
In 2 days
Aug 14 · auto-pay on
Rent
$340
In 6 days
Aug 18 · Summit Credit ·· 9071
Gym membership
$29
In 9 days
Aug 21 · Northbank ·· 4412
Internet
$65
In 11 days
Aug 23 · Summit Credit ·· 9071

Total scheduled

$487.49

A day-marked timeline of scheduled payments with exact amounts and accounts.

Merchant leaderboard

2×

August · by merchant

Where you spend most

Whole Foods
8 transactions
+$210.30
Amazon
6 transactions
+$154.75
Grab
14 transactions
+$96.10
Corner Coffee
11 transactions
+$82.40
Shell
4 transactions
+$68

Rank 1–5

Five merchants carry 61% of the month — a short list to act on.

Top merchants by spend with counts, ranks, and the concentration story.

Account cards grid

4×

Your accounts

Every account, one glance

Northbank Checking

·· 4412 · Checking

$1,420.55

+2.1% this month· Synced 4 min ago

Summit Credit Savings

·· 9071 · Savings

$5,100

+0.4% this month· Synced 4 min ago

Lakeside Credit

·· 2204 · Credit

-$780.10

−3.2% this month· Synced 1 h ago

Account cards with balances, masked numbers, sparklines, and one hide-all motion.

Split master–detail list

3×

Master transaction

Housing · Summit Credit ·· 9071 · Paid Aug 1

−$1,020

Split detail

MT
Minh
Paid from Northbank ·· 4412
+$340
Settled
NH
Hannah
Paylink request sent
+$340
K
Kinly savings
Auto-transferred Aug 1
+$340
Settled

2 of 3 settled · Outstanding $340

A master transaction with per-person shares, settlement status, and a settle-up path.

Uncategorised queue

2×

Categorisation

Uncategorised transactions

3 left

Kinly's best guess first — the alternatives are one tap away.

Blue Bottle Coffee
Aug 8
−$9.80
or
CVS Pharmacy
Aug 7
−$23.40
or
PetSmart
Aug 6
−$41.20
or

Transactions waiting for a category, with the best guess first and alternatives one tap away.

03Composition group

Forms & settings

Entry forms, settings panels, validation states, permissions, and destructive controls.

11 built · 11 declared

Add expense

3×

Grouped fields with a money input, category picker, helper text, and a dirty-state save bar.

Settings rows

3×

Preferences

How Kinly behaves

Round up spare change

Every card purchase rounds up to the nearest dollar and the difference moves to savings.

Weekly digest

A Monday-morning summary of last week's spending against plan.

Alert before I overspend

Kinly warns you at 90% of a category budget, not after you pass it.

Share with householdShared

Hannah can see and categorise transactions on shared accounts.

Week starts on

Affects weekly digests and every chart with a weekly axis.

Description-left, control-right rows with switch groups and hairline dividers.

Field validation states

3×

Form states

Field validation

Every state says what happened and what to do about it. None of them rely on colour alone.

Error, warning, async pending, success, and disabled fields in one surface.

Danger zone

3×

Irreversible

Danger zone

These actions cannot be undone. Each one says exactly what is lost before it asks.

Disconnect all banks

Stops importing new transactions. Everything already imported stays.

Reset all budgets

Clears every category budget and starts the current cycle over. Transactions are untouched.

Delete this household

Permanently removes the household, its accounts, and every transaction in it — for all 2 members.

Destructive account actions behind a typed-name confirmation gate.

Budget envelope editor

4×

August envelopes

Budget envelopes

Edit any envelope — the total below follows the numbers, not the other way around.

Dining
Spent $190
Budget · Dining
$
Groceries
Spent $200
Budget · Groceries
$
Transport
Spent $67
Budget · Transport
$
Fun & leisure
Spent $84
Budget · Fun & leisure
$

Monthly total

$640 / spent $541

Inline-editable envelopes with spent-against bars and a total that follows the numbers.

Account connections

3×

Connections

Connected accounts

Northbank
Connected
Checking ·· 4412 · Credit ·· 2204 · Synced 4 minutes ago
Summit Credit
Needs attention
Savings ·· 9071 · Needs you to sign in again
Paylink
Connected
Wallet · Synced 2 hours ago

Connections are read-only. Kinly can see transactions and never move money.

Bank connections with sync status, manual sync, reconnect, and read-only reassurance.

Household permission matrix

4×

Household

Who can do what

Editors can categorise and split. Only owners can manage billing and members.

Members × actions as a checkbox matrix, owner cells locked on, roles explained.

Notification preferences

4×

Notifications

What reaches you, and how

Every event offers push, email, and SMS. The defaults keep money-moving events on every channel.

About to overspend

At 90% of any category budget

Large purchase

Single transactions over $200

Bill due tomorrow

Any scheduled payment within 24 h

Payment failed

A scheduled payment that bounced

Household changes

New members and permission changes

Event × channel toggles with money-moving defaults and an all-off reassurance line.

Receipt upload queue

3×

Receipts

Upload queue

1 of 4 uploaded

receipt-0821.jpg
1.2 MB
wholefoods-0807.jpg
840 KB
Matched
Matched to Whole Foods · −$50.00
receipt-0819.jpg
2.1 MB
Needs review
Possible duplicate of receipt-0818.jpg
scan-0803.png
310 KB
Failed
Could not read this file

Per-file upload states — progress, matched, duplicate review, and retry — in one queue.

Onboarding wizard

4×

Setup

Get Kinly ready

Step 2 of 3

Connect a bank
Pick categories
Invite household

Northbank connected · 6 transactions imported

Done

Which categories matter to you?

Pick at least four. Kinly suggests defaults for the rest.

4 selected

A stepper-led setup flow: bank connected, categories picked, household invited.

Currency & locale panel

4×

Localisation

Currency & locale

Formatting follows your household, not your browser. Changes apply to everyone who shares this account.

Currency

Language & region

Live preview

$12,345.67

Date format: Aug 8, 2026
Number format: 1,234.56

A sample balance: $8,500

Currency and region selects with a live formatted preview of dates and numbers.

04Composition group

Headers & navigation

Page-level orientation, search, period pickers, filters, tabs, and switchers.

14 built · 14 declared

Page header — basic

3×

Household

Budgets

Envelopes for the month, the pace each one is running at, and what is left to allocate before the first of September.

Eyebrow, heading, one-sentence description, and a single primary action.

Entity page header

4×

Parker Family

SyncedPlus

Shared household ledger. Everyone here sees the same balances; only owners can move money between accounts.

All four accounts connected4 membersCreated Mar 2024USD · America/New_York

Avatar, title, status badges, a dotted metadata line, and a toggleable watch action.

Detail page header

4×

Back to transactions

Transaction

Whole Foods Market

−$142.18

ClearedNeeds receipt

Matched to a recurring weekly shop. Categorised automatically; the rule that did it can be edited from the overflow menu.

Posted: 21 Aug 2026, 4:12 PM
Account: Everyday · ••4417
Category: Groceries
Reference: TXN-90412-8B

Back link, title with the headline amount, status badges, description, and a fact row.

Page header with view switch

4×

Accounts

12 accounts

Everything connected to this household, in whichever shape you read it best.

Every column, sortable, built for reconciling.

Heading, count, search, and a segmented view switch whose active option explains itself.

Page header with headline metric

4×

Reports

Spending report

Where the money went, by category and merchant, for the window you pick. Refunds are netted out; transfers between your own accounts are not counted.

Total spent · 23 Jul – 21 Aug: $4,182-6.4%vs previous window

Heading, description, and the page's headline figure under a range switch that drives it.

Page header with tabs

6×

August overview

Last sync 4 minutes ago

Available: $1,700+6.2%
Spent: $730−4.1%
Remaining: $450−12.4%

Breadcrumbs, account status, actions, navigation, and compact balance metrics.

Command palette

2×

Grouped destinations and actions with filtering and keyboard hints.

Ledger toolbar

6×

Active filters12 of 248 transactions

Search, faceted filters, period range, view controls, and a bulk-action state.

Account switcher

3×

Accounts

A posed account popover with balances, a current marker, and add/manage paths.

Period picker bar

4×

Aug 1 – 21

$730−4.1%vs previous period

Compare to previous periodWhen on, every chart shows the prior window in a lighter line.

Quick period selects with a window readout, previous-period compare, and live totals.

Sticky save bar

4×

Household profile

Details

Household name

Shown in the switcher and on shared statements.

Unsaved changes

Leave the page and these changes are lost.

A save bar that appears only while the form is dirty, with discard and saved states.

Global search results

3×

4 results

Transactions

Bills

People

Search everything in Parker Family — press ↵ to open the first result.

Cross-entity search results grouped by type, with signed amounts and context lines.

Rule builder

4×

Automation

Categorisation rules

2 active rules

Rules run in order on every new transaction. The first match wins.

IFmerchantcontains“netflix”then categorise asStreaming
IFmerchantstarts with“shell”then categorise asTransport

IFthen categorise as

IF/THEN categorisation rules as editable sentences, with an inline builder and ordering note.

Sub-nav with overflow

4×

A tab bar that sheds overflow into a More menu instead of a second row.

05Composition group

Dialogs & overlays

Inline-posed create, confirm, filter, share, sheet, and upload surfaces.

10 built · 10 declared

Create transaction

3×

New transaction

It lands in Parker Family and both members will see it.

A focused entry dialog with amount, account, category, and date.

Destructive confirm

3×

Delete the Housing category?

3 transactions are filed under Housing. Deleting the category does not delete them.

Transactions that will be uncategorised

Monthly rent−$340
City Power−$30
City Water−$7.44
Total affected$377.44

Your account balances stay the same — $377.44 is still spent, it just stops being counted against a budget.

Move these to Uncategorised instead of deleting them

Turning this off deletes all 3 transactions permanently.

A delete confirmation that states exactly what is lost before it asks.

Filter popover

2×

Stacked filter facets with counts, a clear-all, and an applied summary.

Transaction detail sheet

2×

Whole Foods

Groceries · Northbank ·· 4412

Amount

−$50

Category: Groceries
Account: Northbank ·· 4412
Date: Aug 7, 2026 · 14:32

Note

Weekly shop — stayed under the $60 line this time.

Receipt

wholefoods-0807.jpg · Aug 7

Matched

A side sheet for a single transaction: amount, metadata rows, receipt match, and actions.

Split transaction

3×

Split transaction

Divide $102.00 across people — every share must add up.

Total

$102

MT
Minh
Minh's share
$
NH
Hannah
Hannah's share
$
K
Kinly savings
Kinly savings's share
$

Allocated

$102 · Remaining $0

Per-person shares with split-evenly, a live allocation check, and a locked save until balanced.

Share with household

3×

Share with household

Parker Family · 3 members today

Members

MT
Minh
minh@…
Owner
NH
Hannah
hannah@…
Editor
SV
Sam
sam@…
Viewer

Invite someone

Editors can categorise and split. Viewers see everything and change nothing.

Current members with roles, an invite row with role select, and role consequences stated.

Sign in

3×

Welcome back

Password

By continuing you agree to the Terms and Privacy Policy.

Email-and-password sign-in with social shortcuts below a quiet divider and a magic-link escape.

Multi-step transfer

3×

Move money

Between your own accounts — instant and free.

Amount
Accounts
Review

Step 2 of 3

From

Amount

$200

Review: Northbank → Summit Credit · $200.00

A three-step transfer dialog — amount, accounts, review — with a progress stepper.

Dialog states

4×

States

Dialog states

The same dialog surface, four moments: working, failed, empty, done.

Importing transactions

12 transactions from Northbank…

Sync failed

Northbank didn't respond. Nothing changed.

No receipts found

Nothing in this month matches your search.

Statement ready

August's statement is in your library.

Four posed dialogs — working, failed, empty, done — sharing one surface language.

Receipt upload

3×

Upload receipts

JPG, PNG or PDF — Kinly reads the totals and matches them.

Selected files

receipt-0821.jpg
1.2 MB
wholefoods-0807.jpg
840 KB
Ready

A drag-and-drop upload dialog with file states — uploading and ready — plus browse and camera.

06Composition group

Feedback & states

Empty, loading, offline, denied, and error surfaces that stay calm and say what to do next.

9 built · 9 declared

First-run empty state

4×

First run

Connect an account to begin

Kinly reads your transactions and sorts them into categories. Most people are looking at a full month of spending within two minutes.

Works with

Summit CreditNorthbankLakesidePaylink

Read-only access
Kinly can see transactions. It can never move money.
Disconnect anytime
Your imported data stays; the connection stops.
Nothing is shared
Only people you invite to your household can see it.

Rather not connect anything?

A first-session surface that explains the value and offers exactly one next step.

Loading skeletons

4×

Skeletons shaped like the answer

Each skeleton matches the block it replaces, down to the column widths — so nothing jumps when the data lands.

Skeletons shaped like the real content — cards, table rows, and a chart.

System notices

4×

Notices

System messages

Every notice names the action it implies. A notice with nothing to do belongs in the activity feed, not here.

Your August statement is ready

$730 across 71 transactions, with 12 still uncategorised.

Northbank reconnected

6 transactions from the last 3 days have been imported and categorised.

Dining is at 118% of plan

You are $29 over with 9 days left. Groceries has $64 spare.

Summit Credit needs you to sign in again

Transactions have not synced since 6 August. Nothing has been lost — new activity is waiting.

Info, success, warning, and error notices with the action each one implies.

Empty search result

3×

No matches for “shope”

Check the spelling, or try a merchant name, category, or a person in your household.

Similar to your search

A no-results surface that names the query, offers near matches, and clears in one tap.

Sync error & retry

3×

Sync

Summit Credit stopped syncing

Error

Last successful sync was 2 hours ago. Nothing has been lost — new transactions are waiting on their side.

A sync failure with last-success context, an honest retry, and a visible recovery.

Setup checklist

3×

Getting started

Setup checklist

2 of 4 complete

Connect a bank
Northbank and Summit Credit are feeding your ledger.
Done
Add your household
Hannah and Sam can see shared accounts.
Done
Set your first budget
Pick envelopes for the categories you care about.
Create a savings goal
A target makes the surplus mean something.
Up next

A step checklist with progress, done/active/next states, and one start button at a time.

Offline & stale data

4×

You're offline

Showing the last synced data. Changes you make will sync when you're back.

Offline

Status

Stale data

Everything below is from the last successful sync — safe to read, not guaranteed current.

Last sync per account

Northbank ·· 441210:42
Summit Credit ·· 907110:42
Paylink wallet09:15

Reconnect to refresh

Offline changes are queued, never dropped.

An offline banner plus a stale-data card: per-account last sync, disabled refresh, queued changes.

Permission denied

3×

You don't have access to Parker Family

This household is managed by Minh. Ask them to add you as a member — or switch to an account you can see.

Requests notify the household owner, never the household itself.

A locked-surface state that names the owner, offers request access, and a way out.

Per-row inline error

4×

Ledger

Per-row errors

One row failed to import; the rest of the ledger is untouched and trustworthy.

1 row needs attention

Corner Coffee
−$7.40
Dining08-08
Whole Foods
−$50
Groceries07-08
City Power
−$30
Duplicate of an imported row — skip it or review the original.
August salary
+$1,300
Income05-08

Ledger with one row in error
Merchant	Category	Date	Amount
Corner Coffee Dining	Dining	08-08	−$7.40
Whole Foods Groceries	Groceries	07-08	−$50
City Power Duplicate of an imported row — skip it or review the original.	—	06-08	−$30
August salary Income	Income	05-08	+$1,300

A ledger where one failed row carries its own message, retry, and dismiss — the rest stays clean.

07Composition group

AI & agents

Assistant surfaces that stay auditable: cited answers, visible tool calls, and approval before action.

18 built · 18 declared

Suggested prompts

3×

Ask Kinly

Start with what changed

These come from your own accounts this month, not a generic list.

Starter questions grounded in the user's own accounts, not generic filler.

Streaming message

4×

Assistant

How much did I spend on dining last month?

You spent $160 on dining in July across 42 transactions — about 16% of your total spending. The largest single one was Pizza Palace's at $57 on 12 July.

Read 42 transactions · 1.8s

And why is it higher this month?

August dining is at $190 with 9 days still to go, which is 18% above July at the same point. Two things changed: you ordered delivery 11 times versus 4 last month, and

Generating

An assistant reply mid-stream, with a stop control and a settled prior turn.

Tool calls in chat

4×

Tool calls in chat

Steps run inside the thread

The tools work in view, between question and answer — nothing runs off-screen.

Why is dining 118% of plan this month?

Dining is at $190 against a $160 plan, with 9 days left. Delivery orders nearly tripled — 11 this month versus 4 in July.

Each step above is expandable. Nothing ran silently.

Tool steps run in view inside the thread — running, done, and pending — between question and answer.

Chart artifact in chat

4×

Artifacts in chat

A chart lands as a rendered artifact

The answer carries the chart as a real, inspectable object — not a description of one.

Where did August go?

Housing is the fixed floor as usual. The story is dining at $190 — 30% over plan — and groceries running lean because you've eaten out more.

August spending by category

Aug 1 – 21

Donut · interactive

Housing$1,14062%

Dining$19010%

Groceries$1689%

Transit$965%

Everything else$24013%

Pulled from the live ledger at 09:41 · 214 transactions

Artifact · renders in place, opens full-size on tap

Can you break down the dining slice by merchant?

An answer carries a rendered financial chart as an artifact — header, live data body, and actions.

Answer with citations

4×

Ask Kinly

Why is dining 118% of plan this month?

Dining is at $190 against a $160 budget, with 9 days left. Two things drove it. Delivery went from 4 orders in July to 11 this month1, which alone accounts for $67. And a single dinner at Pizza Palace's on 2 August came to $572 — 30% of the whole category in one evening. Your coffee habit is unchanged at roughly $7.40 a week3.

Where these numbers come from

Verifiable

Every figure above links to the transactions behind it. Nothing here is estimated.

A spending answer where every number links back to the transactions behind it.

Prompt composer

4×

Ask Kinly

Kinly-1 · your data stays private

Ask

⏎ to send

Try asking

Kinly answers from your accounts, receipts, and household rules — and shows its sources.

A grounded prompt composer with example asks, attach/clear, and a private-by-default model note.

Attached context message

4×

Attached context

The assistant reads what you bring

Uploads are treated as sources of truth for the conversation — and shown as such.

statement-aug.pdf2.4 MBdelivery-export.csv86 KBreceipt-0821.jpg1.1 MB

Reconcile these against my ledger

All three check out. Your statement has 3 charges missing from the ledger — I've queued them for review with the receipts attached. The delivery export matches what I see in your accounts exactly.

What I read

statement-aug.pdfFound 3 charges not yet in your ledger — all under $40.Read
delivery-export.csvConfirms the delivery count: 11 orders in August versus 4 in July.Read
receipt-0821.jpgPizza Palace's · $57.00 · already matched to transaction #18243.Read

1 page was unreadable — a rotated scan of a bank card. I skipped it rather than guess.

3 files read · 0 guessed

User uploads shown in the thread with per-file provenance — what was read, what it said, what was skipped.

Tool call trace

3×

Auditability

How Kinly answered

Every step of the last answer, with what it touched and how long it took.

Matched 42 transactions across Northbank and Paylink, filtered to August.

2,140 tokens used · 1.2s total

An expandable trace of the assistant's tool calls — what matched, what changed, how long.

Approval gate

3×

Approval needed

Kinly only acts on money with a human in the loop.

Proposed action

Dining is at 118% of plan. Moving $29 from Groceries keeps the month on track.

From: Groceries
To: Dining
Amount: $29
Date: Immediately

Auto-approval is off for moves over $25. You can change that in Settings.

A proposed money move with its reason, full row details, and an explicit approve/deny.

Agent plan

4×

Plan before action

The agent states its plan first

Four steps, shown before they run. The last one is yours.

Check Groceries balance
Northbank · checking
OK · $412 available
Verify dining spend
42 transactions · Aug 1 – 21
118% of plan
Draft the $29 transferRunning
Groceries → Dining · splitting once
Wait for your approval
You review the exact rows before anything moves

Step 3 of 4

Nothing moves money until step 4 — the approval — completes.

A multi-step agent run shown in advance — done, running, and pending — with approval held for last.

Proposed change diff

4×

Proposed by Kinly

Suggested categorisation changes

Three rows would move categories. Select the ones you agree with — nothing changes until you apply.

3 of 3 selected

Grab · airport run
Aug 8
Driver services belong with transport — 92% confidence.
DiningTransport
CVS Pharmacy
Aug 7
Prescription purchases match your Health pattern.
GroceriesHealth
Blue Bottle Coffee
Aug 6
Coffee shop pattern matches 14 similar transactions.
UncategorisedDining

AI-suggested category moves as a selectable diff with reasons, apply, and skip-all.

Knowledge sources

3×

Grounding

What Kinly knows

Answers come from these sources — and only these. Nothing else is read.

Connected accounts
Northbank · Summit Credit · Paylink
3 accountsLive
Receipts
August: 12 uploaded, 1 needs review
12Needs review
Household rules
4 categorisation rules, first match wins
4 rulesLive
Manual entries
Added by Minh and Hannah
2Live

The explicit list of what the assistant reads — accounts, receipts, rules, manual entries.

Categorisation review queue

4×

Review queue

Categorisation suggestions

Kinly proposes; you dispose. High-confidence rows are marked, not auto-applied.

Whole Foods Market
Aug 7
Groceries96% confidence
−$50
Shell · Highway 1
Aug 6
Transport91% confidence
−$43.20
Blue Bottle Coffee
Aug 5
Dining74% confidence
−$9.80

AI suggestions with confidence scores and one-tap accept/reject — never auto-applied.

Insight digest

3×

Weekly digest

Three things worth knowing

August 9, 2026

Picked from your own data — no generic advice.

Dining is pacing 18% over budget
At this rate you finish August $64 over on dining.
You save about $240 every month
Consistent with the last six months — the automation is doing its job.
City Power spikes in August
Last year the bill jumped 22% in August. Budget for it now.

A weekly digest of three data-grounded insights, each with a why and a next step.

Follow-up suggestions

3×

After the answer

Keep going from here

Each suggestion continues the answer above — never a topic jump.

Suggestions come from this answer and your data only.

Post-answer prompt chips that continue the thread, each with the reason it was offered.

Token cost meter

3×

Assistant usage

Token cost meter

1,240

Monthly limit: 2,000

62% used

Estimated cost this month

$0.86

Where it went

Answers620$0.31
Categorisation380$0.19
Summaries240$0.12

Free tier resets on Aug 31Manage plan

Tokens used against the monthly limit with a cost estimate and a by-feature breakdown.

Assistant usage overview

3×

Assistant

Usage overview

Queries: 148
Tokens: 12,400
Cost: $8.42
Hours saved: 6.2

Weekly token usage

By feature

Ask drives most consumption; categorisation is the quiet workhorse.

Queries, tokens, cost, and saved hours with a switchable usage chart and feature split.

Scheduled agent run

3×

Scheduled runs

Weekly money briefing

Mondays · 8:00

Mon · 08:00

Next run

Mon · 19 Aug

Runs every Monday at 8:00 while you sleep

Recent runs

~1,800 tokens per run

A recurring briefing the assistant runs on schedule — next run, last runs, and an honest pause.

08Composition group

Plans & billing

Plan comparison, invoices, payment methods, and the upgrade paths between them.

9 built · 9 declared

Plan comparison matrix

6×

Plans

Compare what each plan gives you

Free

Current plan

Connected accounts: 2
Transaction history: 3 months
Category budgets: Category budgets: included
Receipt matching: Receipt matching: not included
Kinly assistant: Kinly assistant: not included
Household members: Household members: not included
CSV & PDF export: CSV & PDF export: not included

Plus

$3.16/month

Most households pick this

Connected accounts: 10
Transaction history: 24 months
Category budgets: Category budgets: included
Receipt matching: Receipt matching: included
Kinly assistant: Kinly assistant: included
Household members: Household members: not included
CSV & PDF export: CSV & PDF export: included

Household

$5.96/month

Connected accounts: Unlimited
Transaction history: Unlimited
Category budgets: Category budgets: included
Receipt matching: Receipt matching: included
Kinly assistant: Kinly assistant: included
Household members: 6
CSV & PDF export: CSV & PDF export: included

Feature	FreeFree Current plan	Plus$3.16/month Most households pick this	Household$5.96/month
Connected accounts	2	10	Unlimited
Transaction history	3 months	24 months	Unlimited
Category budgets	Category budgets: included	Category budgets: included	Category budgets: included
Receipt matching	Receipt matching: not included	Receipt matching: included	Receipt matching: included
Kinly assistant	Kinly assistant: not included	Kinly assistant: included	Kinly assistant: included
Household members	Household members: not included	Household members: not included	6
CSV & PDF export	CSV & PDF export: not included	CSV & PDF export: included	CSV & PDF export: included

Feature-by-plan rows with the current plan marked and one clear upgrade.

Invoice card

3×

Invoice

KIN-2026-0814

Issued 1 August 2026

Paid

Household plan
1–31 August 2026
$5.96
Additional members
2 beyond the 4 included
Qty 2$2
Annual billing discount
−$1.20

Subtotal: $6.76
VAT 8%: $1
Total: $7.76

Paid 1 August with Northbank ·· 4412

A single invoice with line items, tax, total, and a download action.

Payment methods

3×

Billing

Payment methods

Visa ·· 4412
DefaultExpires soon
Northbank · expires 08/2026
This card expires before your next renewal on 1 September. Update it to avoid an interrupted plan.
Paylink wallet
(415) ··· 847
Bank transfer
Summit Credit ·· 9071 · manual each cycle

Saved cards and bank transfers with a default marker and an expiry warning.

Change plan

4×

Plans

Pick your plan

Solo

Current plan

$4/ month

1 household
Unlimited transactions
Basic categorisation

Family

$8/ month

Up to 6 members
Splits & settle-ups
Categorisation rules
Priority support

Pro

$14/ month

Everything in Family
Unlimited households
Receipt scanning
AI insights

Switching mid-cycle prorates the difference — you only pay for the days you use.

Three plan cards with price, features, current marker, one popular plan, and proration note.

Payment history

4×

Billing

Payment history

All payments via Northbank ·· 4412

Aug 1, 2026
$8
PaidFamily
Jul 1, 2026
$8
PaidFamily
Jun 22, 2026
$3.74
PaidFamily (prorated)
Jun 1, 2026
$4
RefundedSolo
May 1, 2026
$4
PaidSolo

Past invoices for Parker Family
Date	Plan	Amount	Status
Aug 1, 2026	Family	$8	Paid
Jul 1, 2026	Family	$8	Paid
Jun 22, 2026	Family (prorated)	$3.74	Paid
Jun 1, 2026	Solo	$4	Refunded
May 1, 2026	Solo	$4	Paid

Past invoices with plan, amount, paid/refunded status, and a per-row download.

Billing FAQ

3×

Billing

Frequently asked

The billing questions people actually ask — answered in the product, not in a help centre.

Yes. Switching mid-cycle prorates the difference — you only pay for the days you use. Upgrades apply immediately; downgrades apply at the end of the cycle.

Something else? Ask us anything

Accordion answers to the billing questions that decide whether people switch plans.

Upgrade to unlock

3×

Locked

Categorisation rules

Family · $8/mo

Rules that sort your transactions automatically are part of the Family plan — where the whole household already lives.

Unlocks on Family

Unlimited categorisation rules
Split any transaction across people
Priority support

A locked-feature card that names the plan, the price, and exactly what unlocks.

Product updates

2×

Changelog

What's new

Every change ships with a note about what it does for your money.

v0.4.2
Aug 8, 2026
- NewSplit any transaction across people, with settle-ups.
- ImprovedLedger sync is 40% faster on large months.
- FixedDuplicate receipts no longer create ghost categories.
v0.4.1
Jul 29, 2026
- NewBudget pace markers show where the month should be.
- FixedCurrency rounding matched the bank's statements.
v0.4.0
Jul 15, 2026
- NewHouseholds: share accounts with up to six people.
- ImprovedCategorisation suggestions are twice as accurate.

A versioned changelog with New/Improved/Fixed badges and user-facing language.

Quota usage meter

3×

Usage

Quota usage

What your plan includes, and how much of it this month has used.

Receipt scans
34 / 50
16 left
AI queries
148 / 200
52 left
Categorisation
1,240 / Unlimited
Unlimited

All limits reset on Aug 31Family plan

Per-feature usage against plan limits with an unlimited case and reset date.

09Composition group

Receipts & media

Receipt libraries, attachment previews, and the pickers that feed them.

7 built · 7 declared

Receipt library

6×

Receipts

Receipt library

A thumbnail grid with type filters, search, and a bulk selection bar.

Receipt detail

3×

Receipt

Corner Coffee

Photographed 8 August, 09:14

Read automatically

Kinly read these figures from the photo. Tap any line to correct it.

Line items

Iced milk coffee ×2$3.60
Omelette baguette$2.60
Peach orange lemongrass tea$2.20

Subtotal: $8.40
VAT 8%: $1
Total: $9.40

Linked transaction

Corner Coffee · Northbank ·· 4412

Amount and date both match

−$9.40

A receipt preview with extracted totals, the linked transaction, and replace actions.

Avatar upload

3×

Profile

Profile photo

The same control across all four of its states. Initials are the resting state, not a failure.

No photo

Your initials show wherever a photo would.

Uploading

minh-thanh.jpg · 1,4 MB

Processing

Cropping to a square and generating sizes…

Photo set

Visible to everyone in Parker Family.

JPG or PNG, at least 200×200, up to 5 MB.

A circular profile photo across upload, processing, set, and remove states.

Receipt carousel

4×

August receipts

Receipt carousel

Swipe through the month's receipts — every thumbnail links to its transaction.

Open receipt library

A swipeable strip of receipt thumbnails with merchant, date, and amount under each.

Receipt lightbox

4×

Whole Foods · Aug 7, 2026 · 14:32

Whole Foods

0014 · 08/07 14:32 · TERM 04

Total$50

*** THANK YOU ***

Scroll or pinch to zoom · Esc to close

A posed dark-stage lightbox with a paper receipt, zoom controls, and an open-original path.

Cover image picker

3×

Household profile

Cover image

Shown at the top of the household page. 16:9 crops well.

Cover updated

A 16:6 cover preview across empty, uploading, and set states with change and remove.

Attachment strip

3×

Transaction · Whole Foods

Attachments

3 attached

receipt-0807.jpg
Receipt · 1.2 MB
invoice-aug.pdf
Invoice · 340 KB
note-rent.txt
Note · 4 KB

Attachments stay with the transaction, not with whoever uploaded them.

A wrapping strip of file chips with kind, size, remove, and an add affordance.

Role	View	Categorise	Budgets	Manage
MT Minh Owner
NH Hannah Editor
SV Sam Viewer

Money & metrics

Budget vs actual

Spending by category

Cashflow trend

Ranked category breakdown

Savings goal progress

Net worth sparkline grid

Spend distribution histogram

Month-over-month bars

KPI row

Tables & ledgers

Transactions table

Selectable ledger with bulk bar

Account activity

Statement with subtotals

Housing3 · 59% of spend−$377.44

Groceries3 · 30% of spend−$193

Dining3 · 11% of spend−$73

Recurring bills list

Upcoming payments timeline

Upcoming payments

Merchant leaderboard

Account cards grid

Split master–detail list

Uncategorised queue

Forms & settings

Add expense

Settings rows

Field validation states

Danger zone

Budget envelope editor

Account connections

Household permission matrix

Notification preferences

Receipt upload queue

Onboarding wizard

Currency & locale panel

Headers & navigation

Page header — basic

Entity page header

Detail page header

Page header with view switch

Page header with headline metric

Page header with tabs

Command palette

Ledger toolbar

Account switcher

Period picker bar

Sticky save bar

Details

Global search results

Rule builder

Sub-nav with overflow

Dialogs & overlays

Create transaction

Destructive confirm

Filter popover

Transaction detail sheet

Split transaction

Share with household

Sign in

Multi-step transfer

Dialog states

Receipt upload

Feedback & states

First-run empty state

Loading skeletons

Skeletons shaped like the answer

System notices

Your August statement is ready

Northbank reconnected

Dining is at 118% of plan

Summit Credit needs you to sign in again

Empty search result

Sync error & retry

Setup checklist

Offline & stale data

Permission denied

Per-row inline error

AI & agents