Liability & Interest OverviewAnnual carry cost of your debt
Liability
Balance
Rate
Annual Interest
Monthly Interest
Goals Snapshot
Annual Net Income
$0
annualized
Annual Expenses
$0
annualized
Annual Cash Flow
$0
—
Savings Rate
0%
of income
Income Sources
Enter amounts in any frequency — auto-converts to annual
$0
NameAmountFrequencyAnnual Total
Expenses
Bills, subscriptions, and variable spending
$0
NameAmountFrequencyAnnual Total
Fixed / Housing
Variable / Lifestyle
Debt Service
Annual P&L Statement —
Derived from your budget inputs above
Annual Goals & Earmarks
Allocate net cash flow toward specific goals
Remaining After Goals
$0
Starting: Net Cash Flow$0
Allocated0% of cash flow
$0 allocated$0 unallocated
📊 Smart Budget from CSV: Import your bank or credit card statement. Vantage will categorize your transactions and automatically project an annual budget based on your actual spending patterns.
📂
Import Bank / CC Statement
Drag & drop a CSV, or click to browse
Chase · Amex · Capital One · Bank of America · Most major banks
Expected CSV format (auto-detected):
Date, Description, Amount — negatives = expenses
Chase, Amex, CapOne CSVs work as-is. The importer reads your last 1–3 months and projects to annual.
Projected Annual BudgetImport a file to see projection
📊
Import a CSV to see your projected annual budget
Transactions
🔗
Plaid Integration
Connect directly to your bank accounts and credit cards via Plaid. Once connected, Vantage will automatically import transactions, categorize spending, and generate your annual P&L — no CSV exports needed.
Coming in the next release:
✓ Connect checking, savings, credit cards
✓ Auto-categorize transactions with AI
✓ Real-time budget vs. actual tracking
✓ Historical data for multi-year planning
◎ Requires Vantage account (free)
💡 Select a date and update balances to capture point-in-time snapshots
Assets
as of —
$0
Liquid
Investments & Retirement
Real Assets
Total Assets$0
Liabilities
as of —
$0
Revolving / High-Rate
Installment Loans
Leverage Debt / Other
Total Liabilities$0
Net Worth
$0
—
Annual Interest Carry Cost
$0
across all liabilities
Net Income
$0
Total Expenses
$0
Net Cash Flow
$0
Savings Rate
0%
Income Sources$0
Annual Expenses$0
Fixed / Housing
Variable / Lifestyle
Debt Service
P&L Statement —
Annual Goals & Earmarks
Allocate your net cash flow toward specific goals — remaining unallocated balance shown below
Remaining After Goals
$0
Starting: Net Cash Flow$0
Allocated0% of cash flow
$0 allocated$0 unallocated
Viewing month:
—
✏️ Click any Actual cell to enter real figures. YTD columns update automatically across all entered months.
Month Net Cash Flow
$0
vs budget
Month Variance
$0
0%
YTD Actual Cash Flow
$0
vs YTD budget
YTD Variance
$0
vs plan
Remaining Annual Budget
$0
full year budget − YTD actual
Budget vs Actual —
Current month and year-to-date performance
Line Item
CURRENT MONTH
YEAR TO DATE
Remaining Annual Budget
Actual ✏️
Budget
Var $
Var %
Actual
Budget
Var $
Var %
$0$0$0$0$0$0$0$0
Monthly balance sheet data.
Actual Net Worth
$0
from balance sheet
Dec Ending Net Worth
$0
YTD Net Worth Change
$0
Fwd Avg Monthly Cash Flow
$0
📊 Scenarios project your balance sheet forward using different assumptions. Edit any parameter to see how it changes your outcomes. The debt rate adjustment applies to leverage/margin/HELOC debt — making scenarios useful for any variable-rate debt structure.
Side-by-Side Comparison
Year-by-Year: Base Case
Month-by-Month: Base Case (Year 1)
🏦 Credit Card Sync: Direct API connections require a backend server (Plaid/MX). Instead, export a CSV from your bank/CC portal and import here. Works with Chase, Amex, Capital One, Bank of America, and most major institutions.
📂
Import Bank / CC Statement
Drag & drop a CSV file, or click to browse
Supports Chase, Amex, CapOne, BofA exports
Expected CSV columns (auto-detected):
Your file should have columns like:
Date, Description, Amount — or variations like Transaction Date, Merchant, Debit/Credit
Chase, Amex, CapOne CSVs work as-is. Negative amounts = expenses.
Spending by Category
📊
Import a CSV to see spending breakdown
Transactions
📋
Import a CSV to see transactions
Edit Entry
Add / Edit Goal
Import CSV Statement
Upload a CSV from your bank or credit card. Common formats from Chase, Amex, Capital One, and Bank of America are auto-detected.