Private household workspace
Bayles App
Welcome, household member
Overview
Household balances, priorities, and recent activity.
Signed in as
Authenticator MFA enabled
Household sheet
Balance Sheet
Current values first. Goals, limits, formulas, and source facts stay visible beside them.
Net worth
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Loading source updates…
Take-home YTD—Income records
Tithing due—Accrued less paid
Needs review—Transactions and staged facts
Property equity—Value less mortgage
Every position is shown below. Live Plaid balances take precedence when available; workbook values remain as the audit fallback.
Portfolio
Investments
Holdings and values from connected institutions. Cost basis is shown when the institution reports it.
Automatic ingestion
Connected institutions
Plaid keeps balances and transactions synchronized without exposing bank credentials to this application.
Checking the latest refresh…
No institutions connected yet.
Live query results
Filtered insights
Automation
Categorization rules
Learning queue
Suggested rules from reviewed corrections
These suggestions come from repeated household corrections. Review the evidence before creating a draft; nothing changes until you explicitly enable a rule.
Receipt learning queue
Repeated line-item corrections
These are read-only signals from repeated receipt-line category corrections. Review the source lines before teaching a future item rule; no receipt line changes automatically from this panel.
Household attribution queue
Repeated Who? and Purpose? corrections
These recommendations come only from repeated reviewed labels. Review the evidence before teaching a future attribution rule; nothing is applied automatically.
No rules created yet.
Income, taxes & giving
What actually came home
Follow every paycheck from gross income through withholding, benefits, tithing, and final take-home.
| Month | Gross | Taxes | Deductions | Tithing | Take-home |
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| Date | Employer | Gross | Federal | Social Security | Medicare | State | 1099 tax | Medical | Dental | Vision | HSA | Transit | Tithing | Tithing basis | Take-home | Original PDF |
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Employer packages
Compensation history
Track base pay, bonus targets, RSUs, and bonuses paid by employer — separate from paycheck cashflows on Income.
No equity assumptions yet.
| Employer | Person | Status | Stock | Valuation | Target total | Notes |
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| Employer | From | To | Base | Bonus $ | Bonus % | Annual RSU | Target total | Notes |
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| Employer | From | To | Base | Bonus $ | Bonus % | Annual RSU | Target total | Notes |
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| Date | Employer | Year | Type | Amount | Notes |
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| Employer | Type | Grant date | Shares | FMV | Vest schedule | Status | Notes |
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| Grant | Vest date | Shares | FMV | Sold | Status | Notes |
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Properties & mortgages
Home equity and payoff path
One portfolio can contain multiple properties and multiple mortgages. For now, this view shows your current home.
Property
Open valuation source
Loading property…
Payoff impact
What extra principal changes
| # | Due date | Paid | Beginning | Payment | Extra principal | Interest | Principal | Ending | Equity |
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Medical & HSA
Every bill, payment, and reimbursement
Work from the items needing action, with claim and document context kept beside the expense.
| Service date | Person | Description | Status | Paid from | HSA | Amount | Records |
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Home buying scenario
What could we comfortably buy?
Move the assumptions to see the home price, cash needed, and estimated monthly payment change together.
Starting rate: Freddie Mac PMMS 30-year fixed average, Oct 8, 2026 · source · Starting cash uses your certified down payment when available.
Max home price
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Purchase price before lender-specific limits
Estimated monthly payment
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Principal, interest, tax, and insurance
Cash left after close
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After down payment and 3% closing costs
Down payment—
Closing costs—
Principal + interest—
Property tax—
Insurance—
Loan amount—
This is a planning estimate, not a pre-approval. It assumes at least 20% down and excludes HOA dues, PMI, points, lender fees, and changes in the rate or tax bill.
Agent workflow prototype
Home scout
Save a few ways you might search, then review the daily shortlist and teach the scout what “worth a look” means to you.
Active searches1Saved on this device
Scan cadenceDailyMLS connector not wired yet
Needs review2Sample matches to react to
Mapleton · $685k4 bd · 3 ba · 2,840 sq ft
92Strong price fit and yard match. Slightly longer drive, but no HOA listed.
Lehi · $742k5 bd · 4 ba · 3,120 sq ft
84Great room count and commute. Higher price and a larger HOA reduce the score.
Next integration: connect an MLS-approved data source, schedule the daily run, then replace the sample cards with scored listings and source links.
Cash allocation
Bill pay planner
Simulate paying credit cards and other bills from cash accounts before you move money at the banks. Drafts are saved until you mark them done.
No draft loaded
Household priorities
Wishlist
Keep the things you both want in one order, then turn each one into a realistic savings target.
Completed0
Kitchen workspace
Meals
Keep the dishes you actually cook close at hand, plan the week, and let the shopping list build itself.
What-if workspace
Try a change before you make it.
Adjust cash, income, and spending against a read-only copy of your household baseline. Saved scenarios never move money or change your ledger.
No evaluation yet.
| Measure | Current | What-if | Delta |
|---|---|---|---|
| Net worth | — | — | — |
| Cash | — | — | — |
| Debt | — | — | — |
Payoff not reached
Available
Bill pay planner
Choose which cash account pays which cards and bills, see projected balances, and keep the draft until you execute the transfers.
- Uses Plaid statement balances and due dates when available
- Persisted household draft across sessions
- Simulation only — no bank movements from this screen
Available
Home & mortgage
Current balance, upcoming payment, amortization, extra principal, and a live equity estimate in one place.
Home value
Latest valuation
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Mortgage
Current balance
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Equity
Live calculation
- Link to Zillow with value source and “as of” date
- Scheduled versus actual principal payments
- Recast and extra-payment scenarios
Available
Medical & HSA
A reimbursement queue that makes the next action clear for every bill, payment, claim, and supporting document.
Bill received
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Paid
→
Reimbursed
- Filter by person, status, and payment source
- Match expenses to bank and credit-card transactions
- Track claim IDs, receipts, and HSA reimbursement dates
Available
Income, taxes & giving
Paychecks, withholding, benefits, tithing, and take-home trends across employers.
Planned
Goals & scenarios
Short-, mid-, and long-term goals with target dates, funding priority, tradeoffs, and scenario comparisons.
Planned
Retirement
Contribution progress and future-value projections grounded in household assumptions.
Planned
Cards & benefits
Annual fees, credits, rewards, utilization, and renewal dates without mixing product metadata into the ledger.
Transactions
Household activity
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All cash movement
Sync status —
Classification health
Household-wide; separate from the active filter
Confirmed coverage
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Classified incl. suggestions
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Receipt item coverage
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Suggestion acceptance
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Learning activity
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Rule candidates
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Receipt processing
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Measured precision
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Attribution precision
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Agent citations
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Automation policy
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Next review work
Prioritized classification queue
Transactions and receipt lines needing a category or explicit household attribution decision.
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| Date | Merchant | Account | Category | Classification | Breakdown | Tags | Amount |
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Item-level spending
Receipt inbox
Forward purchase emails here, or send a PDF copy from Adobe Scan/Acrobat. Items are extracted and matched to Plaid transactions automatically.
Forward retailer receipts to
receipts@finance.drewbayles.com
Adobe PDFs with a text layer are parsed; iCloud can remain your archive. Send a copy to this address instead of sharing an iCloud link.
Upload scanned receipts
Select one or many PDF, JPEG, PNG, HEIC, or HEIF files up to 20 MB each. Originals are archived before parsing.
Database workspace
SQL console
Explore live PostgreSQL data with authenticated, read-only queries. Results are capped at 500 rows and queries time out after five seconds.
Results
Run a query to see results.
| Your query results will appear here. |
Operations
Data system overview
Backup status
Loading
- Archive
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- Size
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- Uploaded
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- Source SHA-256
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Reading backup metadata…
App visibility
Local only
The hosted app does not call Syncthing's local API. Pair the Mac and PC directly, then use this link to inspect the device you are currently using.
Open local Syncthing| Schema | Table | Rows | Storage |
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Plaid webhook New transaction events arrive at API Gateway.
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Six-hour reconciliation EventBridge queues every active Item as a safety net.
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SQS buffer Jobs retry safely and move persistent failures to a DLQ.
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Sync worker Lambda uses Plaid’s cursor API, upserts PostgreSQL, then runs categorization rules.
| Started | Institution | Status | Added | Modified | Removed |
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