Here are three months of my checking and credit card transactions (CSV at the end). I'm Jordan, I live in Portland, Oregon, and I get paid every other Friday.
Build me a personal finance dashboard as one HTML file that works offline (no external scripts, fonts, images or network requests). It should show:
- money in vs money out for each month
- where my money goes, by category, for each month
- every recurring charge and what it costs me per month
- a short list called "Act on this": anything I'm wasting money on, any mistakes, anything that looks wrong or suspicious. For each item, show the exact transactions, the dollar amount and what I should do.
Make it something I'd actually want to open every month. Don't ask me questions; make reasonable assumptions and list them at the bottom of the page.
```csv
date,account,description,amount,checking_balance
2026-08-01,Checking,PROPERTYPAY RENT 4410 SE DIVISION,-1650.00,1750.00
2026-08-01,Credit card,CORNER PHARMACY PORTLAND OR,-21.73,
2026-08-01,Credit card,GREENLEAF GROCERY PORTLAND OR,-115.07,
2026-08-01,Credit card,ZOOMRIDE TRIP PORTLAND OR,-17.53,
2026-08-02,Credit card,CLOUDSAFE STORAGE 200GB,-2.99,
2026-08-03,Credit card,VIDFLIX.COM MONTHLY,-15.99,
2026-08-04,Credit card,CORNER PHARMACY PORTLAND OR,-15.70,
2026-08-04,Credit card,FRESHWAY MARKET PORTLAND OR,-70.94,
2026-08-04,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-7.40,
2026-08-05,Credit card,BEAN THERE COFFEE PORTLAND OR,-7.40,
2026-08-06,Checking,FITCORE GYM MEMBERSHIP ACH,-39.00,1711.00
2026-08-06,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-6.85,
2026-08-07,Checking,ACME LOGISTICS PAYROLL DIRECT DEP,2186.40,3897.40
2026-08-08,Credit card,FRESHWAY MARKET PORTLAND OR,-41.13,
2026-08-08,Credit card,TACO CART 82 PORTLAND OR,-41.72,
2026-08-09,Checking,ONLINE TRANSFER TO SAVINGS x4471,-600.00,3297.40
2026-08-09,Credit card,TUNEBOX MUSIC SUBSCRIPTION,-10.99,
2026-08-10,Credit card,LUCKY NOODLE BAR PORTLAND OR,-28.10,
2026-08-11,Credit card,GREENLEAF GROCERY PORTLAND OR,-97.49,
2026-08-11,Credit card,NEWSDAILY DIGITAL ACCESS,-4.00,
2026-08-12,Checking,NORTHWIRE MOBILE AUTOPAY,-65.00,3232.40
2026-08-13,Credit card,SAKURA SUSHI PORTLAND OR,-24.32,
2026-08-14,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-4.75,
2026-08-15,Checking,SAFEDRIVE AUTO INS PREMIUM,-132.40,3100.00
2026-08-15,Credit card,GREENLEAF GROCERY PORTLAND OR,-46.66,
2026-08-15,Credit card,ZOOMRIDE TRIP PORTLAND OR,-21.61,
2026-08-16,Credit card,BURGERWORKS PORTLAND OR,-48.39,
2026-08-17,Credit card,BEAN THERE COFFEE PORTLAND OR,-7.40,
2026-08-18,Credit card,CORNER PHARMACY PORTLAND OR,-17.48,
2026-08-18,Credit card,FRESHWAY MARKET PORTLAND OR,-38.06,
2026-08-18,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-6.10,
2026-08-19,Credit card,BEAN THERE COFFEE PORTLAND OR,-4.75,
2026-08-19,Credit card,BOOKNOOK.CO.UK LONDON GBR,-38.40,
2026-08-19,Credit card,FOREIGN TRANSACTION FEE,-1.15,
2026-08-20,Checking,BEAMNET INTERNET AUTOPAY,-70.00,3030.00
2026-08-21,Checking,ACME LOGISTICS PAYROLL DIRECT DEP,2186.40,5216.40
2026-08-21,Credit card,BEAN THERE COFFEE PORTLAND OR,-4.75,
2026-08-21,Credit card,LUCKY NOODLE BAR PORTLAND OR,-45.44,
2026-08-22,Checking,CASCADE POWER UTILITY AUTOPAY,-61.18,5155.22
2026-08-22,Credit card,FRESHWAY MARKET PORTLAND OR,-113.90,
2026-08-24,Credit card,BEAN THERE COFFEE PORTLAND OR,-4.75,
2026-08-24,Credit card,SHOPMART ONLINE ORDER 77-2041,-129.00,
2026-08-24,Credit card,TACO CART 82 PORTLAND OR,-24.67,
2026-08-25,Credit card,FRESHWAY MARKET PORTLAND OR,-96.98,
2026-08-26,Credit card,BURGERWORKS PORTLAND OR,-44.47,
2026-08-26,Credit card,ZOOMRIDE TRIP PORTLAND OR,-26.86,
2026-08-27,Checking,PAYMENT TO CREDIT CARD x9012,-1183.59,3971.63
2026-08-27,Credit card,PAYMENT RECEIVED THANK YOU,1183.59,
2026-08-27,Credit card,RIVERSIDE FUEL PORTLAND OR,-52.91,
2026-08-28,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-4.75,
2026-08-29,Credit card,FRESHWAY MARKET PORTLAND OR,-87.95,
2026-08-31,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-5.25,
2026-09-01,Checking,PROPERTYPAY RENT 4410 SE DIVISION,-1650.00,2321.63
2026-09-01,Credit card,FRESHWAY MARKET PORTLAND OR,-67.13,
2026-09-01,Credit card,LUCKY NOODLE BAR PORTLAND OR,-53.84,
2026-09-02,Credit card,CLOUDSAFE STORAGE 200GB,-2.99,
2026-09-02,Credit card,SHIPRIGHT RETURN LABEL 77-2041,-7.99,
2026-09-02,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-6.85,
2026-09-03,Credit card,RIVERSIDE FUEL PORTLAND OR,-43.72,
2026-09-03,Credit card,VIDFLIX.COM MONTHLY,-15.99,
2026-09-04,Checking,ACME LOGISTICS PAYROLL DIRECT DEP,2186.40,4508.03
2026-09-04,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-7.40,
2026-09-05,Credit card,FRESHWAY MARKET PORTLAND OR,-97.18,
2026-09-06,Checking,FITCORE GYM MEMBERSHIP ACH,-39.00,4469.03
2026-09-06,Credit card,SAKURA SUSHI PORTLAND OR,-43.17,
2026-09-07,Credit card,BEAN THERE COFFEE PORTLAND OR,-6.85,
2026-09-08,Credit card,BOOKNOOK.CO.UK LONDON GBR,-22.10,
2026-09-08,Credit card,FOREIGN TRANSACTION FEE,-0.66,
2026-09-08,Credit card,GREENLEAF GROCERY PORTLAND OR,-100.50,
2026-09-09,Checking,ONLINE TRANSFER TO SAVINGS x4471,-600.00,3869.03
2026-09-09,Credit card,TACO CART 82 PORTLAND OR,-57.93,
2026-09-09,Credit card,TUNEBOX MUSIC SUBSCRIPTION,-10.99,
2026-09-10,Checking,FITCORE GYM CANCELLATION FEE,-25.00,3844.03
2026-09-10,Credit card,RIVERSIDE FUEL PORTLAND OR,-57.48,
2026-09-11,Credit card,NEWSDAILY DIGITAL ACCESS,-4.00,
2026-09-12,Checking,NORTHWIRE MOBILE AUTOPAY,-65.00,3779.03
2026-09-12,Credit card,FRESHWAY MARKET PORTLAND OR,-48.93,
2026-09-12,Credit card,SHOPMART ONLINE ORDER 88-5530,-46.75,
2026-09-13,Credit card,BURGERWORKS PORTLAND OR,-14.55,
2026-09-14,Credit card,CLOUDSAFE STORAGE 2TB ANNUAL PLAN,-119.99,
2026-09-15,Checking,SAFEDRIVE AUTO INS PREMIUM,-132.40,3646.63
2026-09-15,Credit card,BEAN THERE COFFEE PORTLAND OR,-6.85,
2026-09-15,Credit card,CORNER PHARMACY PORTLAND OR,-23.74,
2026-09-15,Credit card,FRESHWAY MARKET PORTLAND OR,-105.30,
2026-09-15,Credit card,TACO CART 82 PORTLAND OR,-38.72,
2026-09-16,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-4.75,
2026-09-17,Credit card,RIVERSIDE FUEL PORTLAND OR,-47.66,
2026-09-17,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-6.10,
2026-09-18,Checking,ACME LOGISTICS PAYROLL DIRECT DEP,2186.40,5833.03
2026-09-18,Credit card,SAKURA SUSHI PORTLAND OR,-46.10,
2026-09-19,Credit card,GREENLEAF GROCERY PORTLAND OR,-92.09,
2026-09-20,Checking,BEAMNET INTERNET AUTOPAY,-70.00,5763.03
2026-09-21,Credit card,SHOPMART ONLINE REFUND 88-5530,46.75,
2026-09-21,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-4.75,
2026-09-22,Checking,CASCADE POWER UTILITY AUTOPAY,-58.92,5704.11
2026-09-22,Credit card,FRESHWAY MARKET PORTLAND OR,-96.32,
2026-09-22,Credit card,LUCKY NOODLE BAR PORTLAND OR,-35.67,
2026-09-22,Credit card,ZOOMRIDE TRIP PORTLAND OR,-20.80,
2026-09-23,Credit card,CASCADE POWER ONLINE PMT,-58.92,
2026-09-24,Credit card,RIVERSIDE FUEL PORTLAND OR,-42.25,
2026-09-24,Credit card,ZOOMRIDE TRIP PORTLAND OR,-28.14,
2026-09-25,Credit card,BEAN THERE COFFEE PORTLAND OR,-5.25,
2026-09-25,Credit card,ZOOMRIDE TRIP PORTLAND OR,-15.52,
2026-09-26,Credit card,GREENLEAF GROCERY PORTLAND OR,-101.04,
2026-09-26,Credit card,TACO CART 82 PORTLAND OR,-43.12,
2026-09-27,Checking,PAYMENT TO CREDIT CARD x9012,-1691.36,4012.75
2026-09-27,Credit card,PAYMENT RECEIVED THANK YOU,1691.36,
2026-09-28,Credit card,BEAN THERE COFFEE PORTLAND OR,-4.75,
2026-09-29,Credit card,BEAN THERE COFFEE PORTLAND OR,-6.10,
2026-09-29,Credit card,GREENLEAF GROCERY PORTLAND OR,-83.59,
2026-09-29,Credit card,LUCKY NOODLE BAR PORTLAND OR,-27.49,
2026-09-29,Credit card,ZOOMRIDE TRIP PORTLAND OR,-22.58,
2026-10-01,Checking,PROPERTYPAY RENT 4410 SE DIVISION,-1650.00,2362.75
2026-10-01,Credit card,RIVERSIDE FUEL PORTLAND OR,-42.55,
2026-10-02,Checking,ACME LOGISTICS PAYROLL DIRECT DEP,2186.40,4549.15
2026-10-02,Credit card,CLOUDSAFE STORAGE 200GB,-2.99,
2026-10-02,Credit card,TACO CART 82 PORTLAND OR,-34.60,
2026-10-03,Credit card,FRESHWAY MARKET PORTLAND OR,-64.75,
2026-10-03,Credit card,VIDFLIX.COM MONTHLY,-15.99,
2026-10-04,Credit card,SAKURA SUSHI PORTLAND OR,-48.80,
2026-10-06,Checking,FITCORE GYM MEMBERSHIP ACH,-39.00,4510.15
2026-10-06,Credit card,FRESHWAY MARKET PORTLAND OR,-62.48,
2026-10-07,Credit card,SAKURA SUSHI PORTLAND OR,-23.67,
2026-10-07,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-6.10,
2026-10-09,Checking,ONLINE TRANSFER TO SAVINGS x4471,-600.00,3910.15
2026-10-09,Credit card,BEAN THERE COFFEE PORTLAND OR,-6.10,
2026-10-09,Credit card,TACO CART 82 PORTLAND OR,-238.00,
2026-10-09,Credit card,TUNEBOX MUSIC SUBSCRIPTION,-10.99,
2026-10-09,Credit card,ZOOMRIDE TRIP PORTLAND OR,-20.45,
2026-10-10,Credit card,FRESHWAY MARKET PORTLAND OR,-92.58,
2026-10-11,Credit card,CORNER PHARMACY PORTLAND OR,-12.43,
2026-10-11,Credit card,NEWSDAILY DIGITAL ACCESS,-4.00,
2026-10-11,Credit card,PDX DENTAL GROUP,-85.00,
2026-10-11,Credit card,ZOOMRIDE TRIP PORTLAND OR,-13.24,
2026-10-12,Checking,NORTHWIRE MOBILE AUTOPAY,-65.00,3845.15
2026-10-12,Credit card,FOREIGN TRANSACTION FEE,-1.92,
2026-10-12,Credit card,PRINTHAUS BERLIN DEU,-64.00,
2026-10-12,Credit card,SAKURA SUSHI PORTLAND OR,-18.94,
2026-10-13,Credit card,BURGERWORKS PORTLAND OR,-27.23,
2026-10-13,Credit card,FRESHWAY MARKET PORTLAND OR,-71.17,
2026-10-14,Credit card,CORNER PHARMACY PORTLAND OR,-25.27,
2026-10-14,Credit card,TACO CART 82 PORTLAND OR,-24.22,
2026-10-15,Checking,SAFEDRIVE AUTO INS PREMIUM,-158.90,3686.25
2026-10-15,Credit card,BEAN THERE COFFEE PORTLAND OR,-6.10,
2026-10-15,Credit card,RIVERSIDE FUEL PORTLAND OR,-57.93,
2026-10-16,Checking,ACME LOGISTICS PAYROLL DIRECT DEP,1986.40,5672.65
2026-10-16,Credit card,SAKURA SUSHI PORTLAND OR,-50.16,
2026-10-16,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-7.40,
2026-10-17,Credit card,GREENLEAF GROCERY PORTLAND OR,-38.44,
2026-10-19,Credit card,SHOPMART ONLINE ORDER 88-6127,-31.40,
2026-10-19,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-6.10,
2026-10-20,Checking,BEAMNET INTERNET AUTOPAY,-70.00,5602.65
2026-10-20,Credit card,FRESHWAY MARKET PORTLAND OR,-60.05,
2026-10-21,Credit card,LUCKY NOODLE BAR PORTLAND OR,-33.44,
2026-10-22,Checking,CASCADE POWER UTILITY AUTOPAY,-74.35,5528.30
2026-10-22,Credit card,RIVERSIDE FUEL PORTLAND OR,-46.55,
2026-10-23,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-7.40,
2026-10-24,Credit card,FRESHWAY MARKET PORTLAND OR,-115.05,
2026-10-24,Credit card,ZOOMRIDE TRIP PORTLAND OR,-24.19,
2026-10-26,Credit card,BEAN THERE COFFEE PORTLAND OR,-6.10,
2026-10-27,Checking,PAYMENT TO CREDIT CARD x9012,-1790.35,3737.95
2026-10-27,Credit card,GREENLEAF GROCERY PORTLAND OR,-55.61,
2026-10-27,Credit card,PAYMENT RECEIVED THANK YOU,1790.35,
2026-10-28,Credit card,BEAN THERE COFFEE PORTLAND OR,-7.40,
2026-10-29,Credit card,RIVERSIDE FUEL PORTLAND OR,-57.61,
2026-10-29,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-4.75,
2026-10-29,Credit card,TACO CART 82 PORTLAND OR,-56.75,
2026-10-30,Checking,ACME LOGISTICS PAYROLL DIRECT DEP,2186.40,5924.35
2026-10-30,Credit card,STUMPTOWN ROAST CAFE PORTLAND OR,-6.85,
2026-10-31,Credit card,FRESHWAY MARKET PORTLAND OR,-73.09,
2026-10-31,Credit card,ZOOMRIDE TRIP PORTLAND OR,-21.54,
```