Good morning.
Here's where things stand.
This month
On track
$0
Ledger
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In
$0
Out
$0
Net
$0
Date
Description
Account
Category
Amount
Balance
Cleared
📒
No transactions yet
Import a CSV or OFX file from your bank, or add transactions manually.
YOUR PATH TO ZERO
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▸ What if you paid extra?
Recent debt achievements
Monthly payment budget
Include minimums plus any extra. The more you put in, the faster you get out.
Payoff strategy
Avalanche: pay minimums on all cards, then apply extra cash to the highest-interest card first. Saves the most money.
Your cards & loans
Before You Buy
See what a purchase really costs your debt-free date before you decide.
Investments
Portfolio positions and performance.
Portfolio value
$0
$0 invested
Unrealized gain
$0
0.0%
Today's change
$0
0.0%
Positions
0
across all accounts
Realized gains & tax summary
Closed positions — for planning, not tax advice.
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Net Worth
Assets minus liabilities.
Current net worth
$0
Assets
Total assets$0
Liabilities
Total liabilities$0
Update balances
Assets
Defined benefit pension
Liabilities
Credit card & loan debt
$0
Auto-calculated from Debt Payoff
Snapshots save automatically on the first launch of each month.
Milestones
Add a milestone
Trophy Room
Your financial achievements.
Trip Planner
Plan a trip that fits your finances — without touching your debt payoff.
Where are you going?
How are you getting there?
Vehicle details
Have a past trip to learn from?
Point to a past vacation's dates and Groundwork reads your real spending from that trip — hotel, dining, activities — to build this trip's budget from what actually happened instead of a guess.
Have a quote, or just want to describe the trip?
Paste a hotel, VRBO, or flight quote — or just describe the trip in plain English. Groundwork reads what's actually there; nothing is filled in without your OK.
Gift Budget
Everyone you buy for, every occasion — planned and funded.
Settings
Preferences & data.
Household
Household mode
Two people, one app. Enables partner name and couples check-in.
AI features
Enable AI features
Dashboard insights, smarter Before You Buy, monthly reports
Checking…
Advanced: endpoint override
Nothing leaves your machine. Needs Ollama running locally — free, no account needed.
AI narrative gate health
How often generated narratives get rejected before you see them, and why — the validation gate that keeps invented numbers off the screen.
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Budget settings
Used for real natural gas & electricity price benchmarks in your budget — state is as precise as this data gets.