Each car, rental or client gets its own numbers

Every car, rental or freelance client gets its own profit, break-even and year report, grouped the way Schedule C and E group them. The budget and net worth are still there. The car and client numbers sit next to them, not buried inside. Net worth counts every debt: the car loan sits next to the car.

What it won't do

It's read-only. There is no transfer button anywhere in the app. Bank sign-in goes through Plaid, so your bank password never reaches my server. Data is encrypted with AES-256 at rest, and the Plaid access tokens get a second AES-256-GCM layer. No ads, no data selling, and you can delete everything from inside the app or on the web. Details are on the security page.

It says when a total is incomplete

If transactions from the last 90 days aren't assigned to a car, rental or client, the business page says so right under the total: every figure is only as complete as what is tagged.

How it's built

• The web app is Next.js on Vercel, with Postgres on Neon and Drizzle. Bank data comes through Plaid.
• The iPhone and Android apps are one Expo app that talks to the same API.
• Money is stored and added up as integer cents, in one package of pure functions with tests.
• Slip, the in-app assistant, is AI only when you ask. Every dollar figure in a reply is checked against the figures that were sent, and a reply quoting any other amount is thrown away before you see it.

Google Play rejected the first submission because the reviewer couldn't sign in. Apple rejected it under 3.1.1 (in-app purchase), 3.1.2 (the EULA), 3.1.2(c) (how prominently the price showed) and 2.1(b) (the reviewer account). Play approved it on Oct 5 and Apple on Oct 14.

US banks only, through Plaid, up to five banks. Web, iPhone and Android. The demo runs on sample data with no signup: moneyactually.app/demo/business

If you've built on Plaid, did you keep it read-only too?