Drop Bank Statements Here
Supports PDF bank statements from any bank · Chase, BofA, Wells Fargo, Citi, Capital One, Amex & more
Upload multiple months at once · Personal & business accounts · Credit cards, checking, savings, loans
Upload multiple months at once · Personal & business accounts · Credit cards, checking, savings, loans
🔒
100% Private
Your financial data is processed entirely in your browser. Nothing is sent to any server.
🤖
AI-Powered Analysis
AI categorizes every transaction, detects subscriptions, and identifies debt patterns automatically.
📅
Multi-Month View
Upload 3, 6, or 12 months of data to see trends, seasonal patterns, and long-term cash flow.
No Data Yet
Upload bank statements to see your financial overview
| Description | Category | Account | Date | Amount |
|---|
Avg Monthly Income
$0
Total Income (All Months)
$0
Income Sources
0
Monthly Income Trend
Income Sources
Monthly Expenses Trend
Category Heatmap
Budget vs Actual
This Month
Total Debt Balance
$0
Monthly Payments
$0
Debt-to-Income
0%
Accounts in Debt
0
Debt Accounts
Payoff Strategy
Avalanche Method
Monthly Subscriptions
$0
Annual Cost
$0
Active Subscriptions
0
All Subscriptions Detected
AI Detected
50/30/20 Rule Analysis
AI Recommended
Category Budget Limits
Editable
Cash Flow Over Time
Recurring Income
Recurring Expenses
Your Score
FICO 8
Target: 800+
Gap: 120 pts
EDIT YOUR SCORE
300850
Score Ranges
Exceptional
Best rates, instant approvals, VIP treatment
800–850
Very Good
Near-best rates, premium card approvals
740–799
Good
Most loans approved, decent rates
670–739
Fair
Higher rates, some denials, limited options
580–669
Poor
Secured cards only, predatory rates
300–579
The 5 FICO Credit Score Factors
What Moves Your Score📈 Score Projection to 800+
Follow the PlanBureau Scores
3 Bureaus📊
Equifax
—
Upload report
📈
Experian
—
Upload report
📉
TransUnion
—
Upload report
🗺️ 800+ Score Step-by-Step Roadmap
Proven Strategy💳 Utilization Optimizer
Highest Impact Action⚡ Rapid Rescore & Dispute Center
Score BoostersD&B Paydex
N/A
Target: 80+
Experian Intelliscore
N/A
Target: 76+
FICO SBSS
N/A
Target: 160+
Entity Age
~0.5yr
DevelopingRiches Inc.
🏗️ Business Credit Foundation — 5 Tiers
Build in OrderBusiness vs Personal Credit
Starter Vendor/Net-30 Accounts
Open These First📅 DevelopingRiches Inc. — 12-Month Timeline
Your Plan💰 Business Funding Unlocked by Score
MilestonesQUICK QUESTIONS
👤 Personal Credit Reports
Free at AnnualCreditReport.com📊
Drop Personal Credit Reports
Equifax · Experian · TransUnion · PDF format
📍 Where to Get Your Free Reports
🌐 AnnualCreditReport.com — All 3 bureaus free weekly
📱 Credit Karma — Free Equifax + TransUnion (weekly)
📱 Experian.com — Free Experian (monthly)
💳 Your Bank — Many offer free FICO scores
📱 Credit Karma — Free Equifax + TransUnion (weekly)
📱 Experian.com — Free Experian (monthly)
💳 Your Bank — Many offer free FICO scores
🏢 Business Credit Reports
D&B · Experian Biz🏢
Drop Business Credit Reports
D&B · Experian Business · Equifax Business · PDF
📍 Where to Get Business Reports
🌐 Nav.com — Free D&B + Experian Biz summaries
🌐 DNB.com — D&B CreditMonitor (paid full report)
🌐 BusinessCreditUSA.com — Experian Business
🌐 CreditSafe.com — Full business profile
🌐 DNB.com — D&B CreditMonitor (paid full report)
🌐 BusinessCreditUSA.com — Experian Business
🌐 CreditSafe.com — Full business profile
🤖 What the AI Analyzes
🔍
Negative Items
Late payments, collections, charge-offs, bankruptcies, tax liens — and whether they are disputable
💳
Account Health
Open/closed accounts, balances, limits, utilization per card and overall
📅
Age & Mix
Average age, oldest account, newest account, credit mix (revolving, installment, mortgage)
📊
Utilization
Per-card and total utilization — identifies cards to pay down for maximum score boost
🔎
Hard Inquiries
Recent inquiries, shopping windows, when they fall off (24 months)
⚡
Dispute Flags
Items that may be inaccurate, outdated (7yr rule), or disputable under FCRA
YOUR NET WORTH
$0
Enter your assets and liabilities below
Total Assets
$0
Total Liabilities
$0
🏦 Assets
What You Own🏠 Home Value (5523 E Keynote St)
🚗 Vehicle Value
💰 Checking/Savings
📈 Investments/Retirement
💻 Business Value (KJE)
🖨️ Equipment (DTG, Laser)
📦 Other Assets
💸 Liabilities
What You Owe🏠 1st Mortgage (SPS)
🏠 2nd Mortgage (SPS)
🚗 Auto Loan (KMF)
💳 Total CC Balances
🛍️ BNPL (Affirm/Klarna)
📋 Other Debt
⚠️ Upcoming Bills — Next 30 Days
Strategy
EXTRA MONTHLY PAYMENT
$200/mo
ACCOUNT
BALANCE
APR %
MIN PMT
PAYOFF
Total Debt
$0
Monthly Interest
$0
Total Interest Saved
$0
Debt-Free Date
—
📅 Payoff Timeline
No Goals Yet
Set your first savings goal to track progress
Business Expenses
$0
Potentially Deductible
$0
Home Office (est.)
$0
Est. Tax Savings (25%)
$0
Business Deductible Categories
From Your Transactions📋 Deduction Guide for KJE
✅ Software & SaaS — Claude API, Make.com, Clay, Instantly.ai, GoDaddy, Hostinger — 100% deductible
✅ Equipment — DTG printer, laser engraver, computers — Section 179 or depreciation
✅ Home Office — Dedicated space % of mortgage/utilities — significant deduction
✅ Phone/Internet — Business-use % of AT&T + Frontier bills
✅ Vehicle — Business use of personal vehicle — mileage or actual expense method
✅ Insurance — Business-related insurance portion of State Farm/Blue Shield
📈 Income & Expense Forecast
Based on Your Patterns🐻 Conservative
No new income. Current spend levels continue.
—
12-month net
📊 Base Case
Current trends continue with slight growth.
—
12-month net
🚀 Optimistic
KJE revenue hits $3K/mo. Credit leverage active.
—
12-month net
| Name ↕ | Type ↕ | Size ↕ | Date ↕ | Status ↕ | Actions |
|---|
👤 Profile & Branding
Logo
Upload your personal or business logo
🖼️
Display Name
Your name shown in the sidebar
Business Name
Your company / empire name
Subtitle / Role
Shown under your name in sidebar
🎩 Dr. Money Bags Configuration
AI Name
The name of your financial AI advisor
Title / Tagline
Shown under the AI name in the header
Personality Tone
How Dr. Money Bags communicates with you
Custom System Prompt
Full control over Dr. Money Bags behavior. Leave blank to use tone setting above.
Response Length
How detailed should answers be?
Max Tokens per Reply
Higher = longer responses (costs more API)
🗄️ Database & API Configuration
Supabase Project URL
Your Supabase project endpoint
Supabase Anon Key
Your public anon key (eyJ...)
Anthropic API Key
Used for all AI features. Stored in browser only.
Connection Status
💰 Financial Defaults
Monthly Income (Manual Override)
Used when no transactions loaded
1st Mortgage Balance
SPS loan 1 current balance
2nd Mortgage Balance
SPS loan 2 current balance
Tax Rate Estimate
Used for tax savings calculations
🔔 Alerts & Notifications
Budget Overspend Alert
Warn when category exceeds budget
Low Cash Flow Warning
Alert when monthly net drops below $500
Show Toast Notifications
Save/load confirmations in bottom-right
Auto-Save on Change
Instantly save to Supabase when data changes
⚠️ Danger Zone
Clear All Transactions
Permanently delete all transaction data from Supabase
Clear All Chat History
Delete all saved AI conversations
Reset All Settings
Restore all settings to defaults
Nuke Everything
Delete ALL data from Supabase. Cannot be undone.
📤 Data Export
Strategies
8
Ranked by ROI speed
Monthly Potential
$2K–15K
Combined strategies
Lowest Risk Start
HYSA
0% APR → 4.5% yield
Highest Upside
Digital
Assets on Flippa/Acquire
⚡ YOUR PRIORITIZED DEPLOYMENT STACK — Jim Harris · Solo Tech-Forward Operator
1
HYSA Arbitrage
Immediate
→
2
Digital Assets
Week 2
→
3
ATM Machine
Month 2
→
4
Airbnb Arbitrage
Month 3
→
5
Private Lending
Month 6+
💳 Your Current Credit Arsenal
From Your Statement
AMEX
Call Now
Ask for 0% BT offer
BARCLAYCARD
Call Now
0% BT promo likely
SAM'S CLUB
Rewards
Use for inventory buys
TARGET RED
5% Back
Use for all Target buys
💡 Action this week: Call the number on the back of your Amex and Barclaycard. Say: "I'd like to know if I have any 0% balance transfer or 0% purchase APR offers available on my account." Both companies regularly offer these to cardholders who ask. If you get even $10K at 0% for 15 months, you can earn $375+ in HYSA interest risk-free.
📐 How to Stack All 8 Strategies Together
The Master Plan
PHASE 1 · MONTHS 1–2 · Foundation
→ Get 0% APR offers on Amex + Barclaycard
→ Park $10–25K in Marcus/SoFi HYSA at 4.5%
→ Start browsing Acquire.com daily — set alerts for $300–800 MRR deals
→ Buy 1 ATM machine ($2,500 on Sam's Club card for rewards)
→ Find Long Beach placement location (bar, laundromat, auto shop)
→ Park $10–25K in Marcus/SoFi HYSA at 4.5%
→ Start browsing Acquire.com daily — set alerts for $300–800 MRR deals
→ Buy 1 ATM machine ($2,500 on Sam's Club card for rewards)
→ Find Long Beach placement location (bar, laundromat, auto shop)
PHASE 2 · MONTHS 3–6 · Scaling
→ Acquire first digital asset ($5–15K on business credit)
→ Set up 1 Airbnb arbitrage unit near LGB Airport
→ Add 2nd ATM machine with profits from first
→ Reinvest HYSA profits into next 0% APR card round
→ Total target: $2,500–$5,000/mo passive income
→ Set up 1 Airbnb arbitrage unit near LGB Airport
→ Add 2nd ATM machine with profits from first
→ Reinvest HYSA profits into next 0% APR card round
→ Total target: $2,500–$5,000/mo passive income
PHASE 3 · MONTHS 6–12 · Compounding
→ Start private money lending ($25–50K at 12% APR)
→ Add Amazon FBA liquidation channel for DTG/InkHaus cross-sell
→ Scale Airbnb to 2–3 units with a VA managing turnover
→ Evaluate laundromat or car wash acquisition with seller financing
→ Add Amazon FBA liquidation channel for DTG/InkHaus cross-sell
→ Scale Airbnb to 2–3 units with a VA managing turnover
→ Evaluate laundromat or car wash acquisition with seller financing
PHASE 4 · YEAR 2 · Empire Mode
→ Business credit (Paydex 80+) unlocks $50–250K credit facilities
→ Acquire cash-flowing business with SBA 7(a) loan
→ KJE SaaS revenue + passive income = full financial independence
→ Target: $10,000+/mo completely passive, $0 additional labor
→ Acquire cash-flowing business with SBA 7(a) loan
→ KJE SaaS revenue + passive income = full financial independence
→ Target: $10,000+/mo completely passive, $0 additional labor
🔑 The KEY Insight: Each strategy feeds the next. HYSA profits fund the ATM purchase. ATM cash flow funds the digital asset acquisition. Digital asset income funds private lending capital. Your credit is the seed — the real asset is the compounding system you build with it.
🤖 AI Credit Leverage Strategist
LIVE AI · Knows Your Situation
QUICK QUESTIONS
0
Total Documents
0
Analyzed
0
Pending
$545K
1st Loan Balance
1ST MORTGAGE
$545,000
MOD GOAL
Extend to 40-year term · Reduce interest rate · Lower monthly payment
2ND MORTGAGE
$15,000
MOD GOAL
Capitalize into 1st mortgage · Recently acquired by SPS · Submit simultaneously
📄
Drop Mortgage Documents Here
PDF · DOC · CSV · TXT · JPG · PNG
Mortgage statements · Pay stubs · Bank statements · Tax returns · Hardship docs
Mortgage statements · Pay stubs · Bank statements · Tax returns · Hardship docs
SPS Quick Reference
📞 Loss Mitigation Phone
(888) 349-8960
📠 Loss Mitigation Fax
801-269-4459 · Toll-free: (866) 867-3019
📧 Document Email
☎️ Customer Service
(800) 258-8602
📋 Required Forms
RMA + Hardship Affidavit (one per loan)
📅 Max Loan Term
40 Years (Term Extension)
🌐 Online Portal
spservicing.com → Assistance Programs → RMA
⚖️ Dual Tracking Rule
No foreclosure while complete app under review
🏠 General Assistance
(888) 818-6032
📋 SPS Required Documents Checklist
Upload All For Best Results3 months pay stubs (all borrowers)
3 months bank statements (all accounts)
2 years federal tax returns + all schedules
Most recent W-2s or 1099s
YTD Profit & Loss (if self-employed)
SPS 1st mortgage statement (acct # visible)
SPS 2nd mortgage statement (acct # visible)
Property tax bill
Homeowner's insurance declarations page
RMA form — one per loan (spservicing.com)
SPS Hardship Affidavit
Written Hardship Letter
Supporting hardship documentation
Document Library
📋
No Documents Uploaded Yet
Upload mortgage statements, pay stubs, bank statements, and tax returns
🎯
No Strategy Generated Yet
Upload and analyze documents first, then generate your full SPS modification strategy
QUICK QUESTIONS