Banks lay out their exports differently. Import begins with a preview where the person decides what each column means and checks the result before anything reaches the ledger. Those choices can be saved for the next file from the same source.

I also dealt with the usual sources of confusion: separate debit and credit columns, the same file imported twice and an account that has changed its name. Getting import right keeps every number tied to the statement it came from.

The Explore area offers different views of the same records. A calendar makes an unusual day easy to spot. Merchant comparisons put how often you shop somewhere beside the average amount. A change chart breaks down the difference between two periods, and spending ribbons connect accounts, purposes and categories.

Selecting part of a chart brings up the matching transactions. There are tables alongside the charts, and filters and comparisons can be saved for another visit. Someone can start without a question and let an unexpected merchant or a busy week catch their eye.

The Data area works like a spreadsheet, with sorting, filtering, editing and split transactions. A review area collects likely duplicates, transfers, recurring activity and other entries that deserve a closer look.

Optional AI can suggest classifications for unclear descriptions. Suggestions wait for the person's review before they're applied, so the ledger stays under the user's control. The controls carry short explanations of what they do; someone looking at their own finances should be able to understand the application's choices.

Every ledger starts private. Sharing is a deliberate step, with owner, editor and viewer roles for the people involved. My development work covers those access controls as well as the analysis screens.