DIY MY FINANCES

DIY My Finances — The smarter, privacy-first way to plan, budget, and actually stick to your plan Most money apps start with your transactions and end with a chart. DIY My Finances goes further. We combine smart budgeting, AI-assisted planning, and real-world peer comparisons so you can see where you stand, set a plan you believe in, and make confident changes—without handing over your bank logins. Upload statements, get an auto-baseline, compare to people like you, explore “what if” scenarios, and let our AI Spending Plan translate goals into weekly actions you can actually follow. Below is a comprehensive overview of what we built, and why it matters for you—the “so what” after every feature. What makes DIY My Finances different Privacy-first by design You don’t need to link your bank. Upload statements (CSV/XLS/PDF supported in most formats) or paste transactions, and you’re in. So what: You keep control. Fewer security worries, no third-party bank connectors to maintain, and you can still get all the insights modern tools promise. Automated baselining that actually reflects your life Our engine ingests uploaded transactions, classifies them into a clean budget structure (Budget v2), and builds fixed vs. variable baselines—then normalizes them so comparisons make sense month over month. So what: Instead of starting from a blank spreadsheet, you start from an accurate view of today. That baseline becomes your anchor for goals, savings targets, and trade-offs. Peer comparison that’s relevant, not random See how your spend compares by age band, income band, and region (Northeast/Midwest/South/West). We shape the comparisons to your profile so you’re not chasing averages that don’t apply. So what: You get context that feels fair. If you’re already efficient in one category but high in another, you’ll know where the real opportunity is. AI-based Spending Plan that turns “I should” into “I did” Our AI summarizes your numbers and converts them into a practical plan: targets by category, concrete actions, and weekly checkpoints. It adapts as your inputs change. So what: No more analysis paralysis. You get a clear, personalized “do this next” with knobs to tighten or relax targets as life happens. Scenario-driven financial planning Early retirement? College savings? Buy vs. rent? Debt payoff (snowball/avalanche)? Investment mix analysis? Our use-case library goes beyond budgeting. So what: You can see the downstream impact of budget decisions—how this month’s choices change next year’s savings, retirement timelines, or debt-free date. Actionable “Discover & Find Savings” Find recurring subscriptions, spot duplicates, identify outliers vs. peers, and test what-ifs (e.g., reduce deliveries by 20%, refinance auto, switch plan tiers). So what: You uncover realistic, bite-size savings—exactly where to trim without guesswork. A modern experience that respects your time Clean UI, quick filters, exportable reports (web and Android), and a growing set of insights tiles (net worth, savings rate, cash-flow). So what: Less fiddling, more clarity. You spend minutes, not hours, to understand what matters.