SmrtCash — Feature List#

Legend: ✅ available now · 🔜 next · 📋 planned · 💡 backlog (deferred)

The planned set was shaped by a competitive review of Monarch, Simplifi, Empower, Banktivity, CountAbout, Rocket Money and Moneydance — adopting their table-stakes features. As of 0.24.4, every arc through 0.22.x (production launch readiness) and 0.24.x (scenario expansion + matcher learning) is complete. Native mobile is deferred (the PWA covers it). See the Roadmap for phase detail and the Changelog for per-release notes.

Feature	Status
Three pricing tiers — Starter / Plus / Family — with feature gating	✅
14-day free trial via Stripe Checkout (no card required up front)	✅
Stripe Customer Portal — change plan, update card, cancel	✅
Dunning emails on `invoice.payment_failed` + 3-day grace window	✅
Past-due grace handling at the entitlement layer	✅
Per-tenant metered quotas (AI assistant, OCR) with cap-overflow warnings	✅
Bank-connection cap by tier (0 / 10 / 25)	✅
Public signup at `/signup` gated by `PUBLIC_SIGNUP_ENABLED` env	✅
Email verification on signup (anti-enumeration: 202 always)	✅
Self-service password reset with 1-hour token + session invalidation	✅
Super-admin subscriptions console — grant / sync from Stripe / force-cancel	✅
Super-admin SaaS health dashboard — tenants + subs + webhook ingest	✅
Runtime-editable Stripe keys + signup gate + support URL (no env-file edit)	✅
Operator-configured support / feature-request link on every page	✅
Stripe automatic tax toggle (env or `/settings`)	✅
Operator runbook covering webhook failures, customer triage, dunning, grace	✅
Stripe automatic-tax dashboard setup (US sales-tax / EU VAT MOSS)	📋 outside the codebase
ToS + Privacy Policy lawyer review	📋 before commercial launch

Security & encryption#

Feature	Status
Argon2id password hashing	✅
Signed HttpOnly session cookies, sameSite=Strict	✅
Per-tenant envelope encryption for attachments (DEK wrapped by KEK)	✅
Super-admin rotate-encryption-key button (re-encrypts every attachment)	✅
Legacy v0 (plaintext) and v1 (KEK-direct) attachments stay readable	✅
72 dedicated cross-tenant isolation tests	✅
Cross-tenant attachment decryption fails GCM auth	✅
Audit log for every super-admin mutation	✅
Account enumeration prevented on signup + password reset	✅
Bring-your-own KMS for KEK	💡 deferred — current env-var KEK works

Accounts#

Feature	Status
Create accounts with name, institution, last 4 digits	✅
Seven account types (checking, savings, credit card, cash, investment, loan, other)	✅
Per-account balance and transaction count	✅
Net-worth summary across all accounts	✅
Delete an account (cascades to its transactions)	✅
True balance reconciliation with opening balances	✅
Manual assets & liabilities (property, vehicles, loans)	✅
Multi-currency accounts with daily-refreshed FX rates	✅

Importing & Connectivity#

Feature	Status
Import CSV and Excel (`.xlsx` / `.xls`) files	✅
Auto-detect Chase credit-card and checking/savings layouts	✅
Generic column-mapping for any other bank	✅
Import preview, per-row error reporting, duplicate detection	✅
Import history (batches) per account	✅
OFX 1.x (SGML), OFX 2.x (XML), QFX, QIF import	✅
Pluggable account data-source layer	✅
OFX Direct Connect (direct bank protocol, no aggregator)	✅
Optional Plaid sync (opt-in cloud aggregation, super-admin-gated)	✅
Scheduled background sync (hourly / daily / weekly)	✅
Scheduled crypto price refresh (CoinGecko, once per day)	✅

Transactions#

Feature	Status
View, filter by account, full-text search, pagination	✅
Original bank description, memo, and source category preserved	✅
Money shown as exact currency, color-coded in/out	✅
AI-cleaned merchant names & categorization	✅
Manual edit / re-categorize	✅
Bulk edits with optional "save as rule"	✅
Bulk delete (with confirm) for cleanup	✅
Learned normalization rules (manual edits become persistent patterns)	✅
Auto-learn from manual rename — editing a transaction's merchant name auto-upserts a normalization rule so future imports of the same description carry the rename forward (0.24.10)	✅
Non-AI rules engine auto-applies during import (tenant-scoped, with enable/priority)	✅
Transaction splits (one transaction → multiple categories)	✅
Dedicated uncategorized review queue with inline categorization	✅
Transfer linking between your own accounts	✅
Recurring & subscription detection (AI-suggested, human-verified)	✅
Subscription action queue (flag → cancel / alter / keep with notes)	✅
AI subscription discovery (Claude-powered, filters out non-subscriptions)	✅
Receipt & file attachments	✅

Bill Matching & Recurring (0.22.x)#

Feature	Status
Unified `/recurring` page (Bills + Subscriptions, single sidebar entry)	✅
Per-bill amount mode — fixed (±$1/2%), drift (trailing-3mo avg ±10%), variable (absolute cap)	✅
Per-bill merchant pattern + match-window (default ±7 days) + overdue-grace (default 3 days)	✅
Auto-link incoming transactions to bills on import (vendor + date + amount fit)	✅
Triage queue when matcher isn't confident (ambiguous vendor, edge-of-window, out-of-tolerance)	✅
Daily overdue sweep — past-grace pending periods flip to overdue + emit an insight card	✅
Drift-mode bills auto-track latest matched amount — going-forward expected snaps to the last actual payment (0.24.10)	✅
Pause / Unpause bills indefinitely + Skip individual periods	✅
Rescan transactions — 90-day backfill matcher after editing match config	✅
Category fill-on-match — uncategorized transactions adopt the bill's category	✅

AI#

Feature	Status
Pluggable provider architecture (cloud or local)	✅
Claude API provider	✅
Local model provider (Ollama)	✅
Rules-only deterministic fallback	✅
Merchant cleanup & auto-categorization with confidence	✅
Comprehensive hierarchical category taxonomy (~190 categories)	✅
AI-suggested-category review (Approve / Merge / Reject)	✅
Receipt OCR matching	✅
Conversational AI financial assistant (17 tools, tenant-scoped, audit-logged)	✅

Budgeting & Cash Flow#

Feature	Status
Flex budgeting — fixed categories plus a variable-spending pool	✅
Budget periods — weekly / bi-weekly / semi-monthly / monthly / custom	✅
Monthly budget-vs-actual tracking	✅
Savings goals with progress tracking	✅
Credit-card payoff goals — track current balance toward $0 or N% utilization (default 30% for credit-score optimization); live progress from linked card balances; entry points on /goals AND /debt-payoff (0.22.2)	✅
Goal templates — 28 curated templates (emergency fund, debt payoff, 529, retirement, sabbatical, etc.) with sensible defaults	✅
Bill reminders & upcoming-bills view	✅
Simple cash-flow forecast from recurring items	✅
AutoMagic budget wizard (multi-period with bills/income/groceries/fuel/tolls)	✅
Vehicle-driven fuel cost calculator (EIA prices, ICE + EV)	✅
Toll-route weekly estimates	✅
Calendar budget view (per-day spend heatmap + bill markers)	✅

Wealth & Net Worth#

Feature	Status
Investment holdings — cost basis & mark-to-market	✅
Manual asset & liability tracking (house, mortgage, vehicle)	✅
Net worth over time across all accounts (incl. holdings + A&L)	✅
Multi-currency support with exchange rates	✅
Retirement / long-term goal projections	✅
Cryptocurrency holdings (mixed-asset accounts)	✅
CoinGecko price refresh (manual + scheduled)	✅

Insights & Reporting#

Feature	Status
Spending by category	✅
Income vs. expense trends	✅
Dashboard with charts	✅
Filtered CSV export	✅
Spending-anomaly alerts (large / unusual-at-merchant / duplicate-suspect)	✅
Daily anomaly scan — runs every ~23h per tenant, not just at import time (0.24.6)	✅
Tax-category tagging + year-end Schedule A / C reports (JSON + CSV)	✅
Editable per-tenant IRS mileage rates — was hardcoded, now per-year inline-editable on /mileage (0.24.5)	✅
Data portability (full `.smrtcash` export bundle, secrets stripped)	✅
Canned reports catalog — 17 reports (CSV export per report)	✅

Canned reports (full list)#

Core reports (0.13.x):

Spending by category
Top merchants
Monthly income vs expense
Subscription costs
Largest transactions
Net worth by month

Added in 0.24.4:

Year-over-year by category — this period vs same period last year, with deltas and % change
Month-over-month movers — biggest spending swings between the two most recent months
Day-of-week spending pattern — total + count + average by weekday
Tax-deductible YTD — Schedule C line totals (uses tax_category taxonomy)
Savings rate by month — income, expenses, net, % saved
Income sources breakdown — inflows grouped by category
First-time merchants — vendors whose first transaction lands in the period (catches subscription creep)
Refunds and chargebacks YTD — uses refund_status tracking
Bill price drift — active bills whose recent payments deviate from the stated amount
Debt balance by month — total debt across credit cards + loans + manual liabilities
Average transaction by category — count, total, average per category

What-if Scenarios (0.24.0–0.24.3)#

/scenarios is a hub: pick a scenario type from the left rail, fill in the form, see the result. Per-scenario inputs persist when switching so users can compare answers. URL carries ?type=<id> for refresh + sharing.

Scenario	Category	Status
Cash-flow stress test (income/expense %, one-time events)	Cash flow	✅
Invest $X/mo for Y years at Z% (tax-deferred vs taxable)	Wealth	✅
Bump 401(k) to N% (take-home impact + retirement balance impact)	Wealth	✅
Windfall split (emergency + debt + invest)	Wealth	✅
FIRE date (given save rate + spend)	Wealth	✅
Add $X/mo extra payment (time + interest saved)	Debt	✅
Balance transfer offer (promo APR + fee vs current)	Debt	✅
Consolidate at one rate (multi-debt rolled into one loan)	Debt	✅
Biweekly mortgage (years shaved + interest saved)	Debt	✅
Have a kid (childcare + 529 + tax credit; year 1 / 5 / 18)	Life event	✅
Buy a house (PITI + DTI + lender-comfort verdict)	Life event	✅
Job change (total comp delta adjusted for COL, N-year net)	Life event	✅
Sabbatical / income loss (runway + rebuild timeline)	Life event	✅
Recession / income shock (stress-test next year)	Life event	✅
Credit-score modeling (utilization → score band)	Credit	📋 0.25.0
Retirement (retire at 60/65/67, SS timing, Roth ladder)	Retirement	📋 0.25.1

Mobile & Experience#

Feature	Status
Installable PWA (responsive, mobile home-screen, offline shell)	✅
Bill-splitting / shared expenses (per-tenant participants, settle toggle)	✅
Calendar budget view	✅
Native mobile apps	💡 deferred

Feature	Status
Multi-tenant (one container, many households)	✅
Roles — admin / spouse / child	✅
Per-account read / read-write permission tuning	✅
Invitations & memberships (SMTP-deliverable)	✅
Super-admin audit log of every mutation	✅
Cross-tenant data isolation verified end-to-end (72 dedicated tests, 0.14.x)	✅

Data Integrity & Security#

Feature	Status
Money stored as integer cents — never floating point	✅
Parameterized SQL everywhere (injection-safe)	✅
Transactional, all-or-nothing imports	✅
Comprehensive automated test suite (unit → e2e)	✅
Argon2id authentication	✅
Encryption at rest — attachments & connection secrets AES-256-GCM (per-tenant envelope keys); managed database encrypted at rest	✅
Per-tenant data isolation — every read + write scoped to your household	✅
Full data export any time (`.smrtcash` archive)	✅
Non-AI rules engine for auto-categorization (runs on import)	✅

Platform#

Hosted SaaS — sign up at smrtcash.builditsmrt.com; nothing to install
Web application delivered as an installable PWA (works on desktop + mobile)
Your data — encrypted, isolated per tenant, exportable any time
Managed infrastructure — backups, updates, and uptime are handled for you

See ROADMAP.md for the full phase plan and the longer-term backlog.