Tuesday, June 2, 2026 · Your private life dashboard
Health Score
—
out of 100
Financial Score
—
out of 100
Your Life at a Glance
Net Worth
$121,759
Home equity · NAF
Investment Properties
—
Rental equity · Add props
Schwab Portfolio
—
Brokerage · Connect Schwab
Bank Accounts
—
Cash & savings · Connect Plaid
Total Wealth
$121,759
All assets combined
Net Worth StatementAssets vs. liabilities, in full
Assets
Liabilities
Net Worth$0
Net Worth Trend
Investment Allocation
Health Performance Trend
Today's Actions—
Specific, doable things pulled from your real numbers — not generic advice. Generated fresh each day from your health, finances, and business data.
Financial Scores
Action Items0 urgent
Arti
Your AI · Connect accounts to unlock full analysis
Your home outperforms the neighborhood by 9.6%. $331k vs $302k avg. $121,759 equity built since Nov 2018.
Autopay is off. 12 days until $1,541.48 is due. One missed payment = 60–110 point credit drop.
Connect accounts to unlock full intelligence. I'll analyze spending, flag opportunities, and tell you exactly where to move money.
Arti
Your CFO · Asset Manager · Performance Coach
Not yet generated
Click Generate My Insights above to get advice built from your actual numbers — nothing shows here until then.
Talk to Arti
Arti now lives in the chat icon at the bottom-right of every page — including while you're on Investments or anywhere else. Click it anytime to vent, ask for advice, or talk through a trade.
Family Financial GoalsWhat Arti is actively coaching you toward
TARGET CREDIT SCORE
TARGET NET WORTH
TARGET PORTFOLIO VALUE
Arti's MemoryNot saved yet
Things Arti should always remember, no matter who in the family is talking to it or how much time passes — family values, long-term goals, lessons learned, things that matter. This is the closest thing this app has to real generational memory: it's saved permanently and referenced in every conversation, scan, and insight from here forward.
Example InsightsWhen fully connected
"You spent 18% more eating out this month. Redirecting $320 to your rental fund moves your Q1 2027 target up by 3 weeks."
"You can safely invest another $1,200 this month without touching your emergency fund."
"Sleep dropped below 6h on 4 of 7 days. Spending spiked 14% those same days — stress spending pattern detected."
"This property's cap rate dropped below 5%. Time to evaluate rent pricing or a refinance."
Intelligence Unlock
NAF Mortgage
✓ Live
Plaid / Bank
Connect →
Schwab Portfolio
Connect →
Rental Properties
Add in Rental Portfolio →
Health Data
Log in Health →
Insight HistoryHow your advisor gets smarter
Every time you generate insights, they're saved. Future insights reference what changed since last time — more logged data (health, business, credit) means sharper, more specific advice.
No insight history yet — click "Generate My Insights" above to start.
Credit / Monitoring
Credit Dashboard
Score · Utilization · Disputes · Monitoring
EXP
Experian
—
Add your score
Updated—
300850
EFX
Equifax
—
Add your score
Updated—
300850
TU
TransUnion
—
Add your score
Updated—
300850
Average Score
—
Add all 3 bureaus
Credit Health
32 / 100
Needs work
Utilization
22%
Good — under 30%
Active Disputes
—
Add dispute info
Score Range GuideFICO 8 Model · 300–850
Poor
300 – 579
Fair
580 – 669
Good
670 – 739
Very Good
740 – 799
Exceptional
800 – 850
Score FactorsWhat affects your score
Payment History
35% of scoreAdd data
Credit Utilization
30% of score22% ✓
Length of History
15% of scoreAdd data
Credit Mix
10% of scoreAdd data
New Inquiries
10% of scoreAdd data
Pull your free tri-bureau report at annualcreditreport.com and tell me your scores — I'll analyze every factor and build a custom repair plan.
Improvement Plan
Pull tri-bureau report
Step 1
Tell me all 3 scores
Step 2
Dispute inaccuracies
Step 3
Reduce utilization
In progress
Enroll in autopay
Urgent
Age accounts 2+ yrs
Long-term
Tell me your 3 bureau scores and I'll calculate your projected score in 30, 60, and 90 days based on your current plan.
Update Your Bureau Scores
EXPERIAN
EQUIFAX
TRANSUNION
Leave a field blank to keep that bureau's current score unchanged. Updates all three gauges, your average, and your Financial Score on the Overview page immediately.
Banking & Cash Flow
Banking
Live account balances · Transactions · Cash on hand
Total Cash
—
Connect Plaid
Checking
—
Connect bank
Savings
—
Connect bank
Credit Cards
—
Connect bank
Today's Money Moves
Cash Held at SchwabReclassified from Investments
Connected AccountsNot connected
Connect Plaid to see live accountsGo to Connect Accounts in the sidebar — takes 2 minutes.
If a card is connected via Plaid, its balance, limit, APR, due date, and minimum payment sync automatically — use this form just to add its rewards program, or to track a card you haven't connected. Card balances count against your net worth as debt.
Banking & Cash Flow
Cash Flow
Income vs expenses · Monthly trend · Savings rate
Monthly Income
—
Connect bank
Monthly Expenses
$1,541
Mortgage confirmed
Net Cash Flow
—
Add income
Savings Rate
—
Add income
6-Month Cash Flow TrendAwaiting bank data
Where Your Money GoesLast 30 days, real transactions
Arti's Savings Suggestions
Connect Plaid to unlock this — Arti needs real transactions to find real savings.
Suggested Investment ContributionsDetected from your bank transactions
Not automatic — this looks through your real Plaid transactions for transfers that look like they went to Schwab, and lets you confirm them into your Contributions tracker with one click instead of typing them in by hand.
Connect Plaid to see this.
Banking & Cash Flow
Budget
Budget vs. actual · Spending by category · Subscriptions
Total Budgeted
$0
This month
Total Spent
$0
Logged so far
Remaining
$0
Left to spend
Savings Rate
—
of gross income
Build a Budget From Your Future Lifestyle
No expense history to work from yet? Describe the life you actually want to be living — where, how, what matters to you — and your real monthly income, and Arti will propose a full category-by-category budget you can then edit below.
Budget vs. Actual — June 2026
Category
Progress
Budget
Spent
Left
Total
$0
$0
$0
Monthly Income
Upcoming Bills
NAF Mortgage
Jun 1, 2026
$1,541.48
Log a Transaction
Category
Description
Amount ($)
Subscriptions0 detected
NAF Mortgage−$1,541.48/mo
Log subscriptions or connect bank
Wealth
Investments
Stocks · ETFs · Crypto · Retirement · Private — live Schwab data
Overall Portfolio
Portfolio Value
—
Connect Schwab
Unrealized Gain
—
Total return
Annual Dividends
—
Yield %
vs S&P 500 YTD
—
Benchmark
By Portfolio
HoldingsNot connected
Connect Schwab to see live holdingsGo to Connect Accounts or upload your Schwab CSV positions export.
Tax Lots0 lots tracked
Schwab's account data gives you an average cost basis per position, not per-purchase detail — so if you bought the same stock at different times and want to know which specific shares to sell for tax purposes (short-term vs. long-term capital gains), log each purchase lot here.
Trading PlaybookNot saved yet
Write out your actual strategy — rules from a video you watched, a method you follow, indicators you trust, what "overbought" means to you. Paste it in your own words (copy text from a video transcript or document works too — this app can't watch videos or open PDFs directly, but anything you paste as text, Arti will actually use). This gets fed into every scan and every trading conversation with Arti automatically, so you only have to teach it once.
Portfolio Dip WatchYour real holdings, checked automatically — not typed in
Pulls every ETF and stock you actually own from Schwab, checks how far each is trading below its 52-week high, and flags the ones that look like real dip-buying opportunities against your own cost basis — not a stranger's stock tip.
Arti's Market ScannerRead-only — never places trades on its own
Describe what you're looking for, list the tickers to check, and AI will screen them against live quotes and fundamentals — it never buys or sells anything itself, it just tells you what it sees.
Trade TicketReal order — always requires your final confirmation
This places a real order with real money on your live Schwab account once you confirm. Test with 1 share of something stable first. Limit orders are selected by default since they're safer than Market orders (which can fill at an unpredictable price).
Confirm This Order
Double-check everything below — this cannot be undone once submitted.
Investment Priority OrderHow much goes where, and in what order
List every account you invest into, in the order money should actually flow — usually something like: employer 401(k) match first (free money), then high-interest debt payoff, then Roth/IRA, then taxable brokerage, then a specific goal fund. Drag isn't built here — just set the priority number.
Monthly Contributions$0 this month
Recent
Trade Journal0 trades logged
Every order placed through the Trade Ticket above lands here automatically — real history, not something you re-type. Add your own reasoning or outcome notes after the fact so Arti (and you) can look back and actually learn from it.
Portfolio Trend
Allocation
Wealth
Rental Portfolio
Asset management · NOI · Cap rate · Equity growth
Portfolio Value
$331k
Primary home
Total Equity
$121,759
36.8% built
Gross Rent
—
Add rentals
Net Cash Flow
—
Add rentals
5037 Pioneer Pkwy
Primary Residence · Jonesboro, GA · Owner Occupied
$331,000
EST. VALUE · edit
ORIG. LOAN
—
BALANCE (LIVE)
—
PAYMENT
—
RATE
—
EQUITY (LIVE)
—
PAYOFF DATE
—
LOAN PAYOFF — 0%
—$0 equity—
ADDRESS
CITY, STATE
ORIGINAL LOAN AMOUNT
INTEREST RATE (%)
LOAN TERM (YEARS)
LOAN START DATE
MONTHLY PAYMENT (TOTAL)
CURRENT EST. VALUE
Enter this once. From then on, the balance and equity above are calculated live from a standard mortgage amortization formula — no manual updates needed as months pass. Home value isn't available from any live API, so update "Current Est. Value" here periodically (Zillow estimate, county assessment, or appraisal) to keep equity accurate.
VALUE HISTORY+ Log new estimate
Add Investment Property
ADDRESS / NICKNAME
CURRENT VALUE
LOAN BALANCE
MONTHLY RENT
MONTHLY EXPENSES
MONTHLY MORTGAGE PMT
CITY, STATE
Performance
Health & Performance
Your physical output is the engine of your financial output
Logging for
‹—›
S
M
T
W
T
F
S
Jump to Today
Performance Score
—
Log today's data
Sleep Score
—
Hours + quality
Recovery Score
—
Sleep + HRV based
Consistency Score
—
30-day rolling avg
Today's Performance Actions
Body MetricsDaily Log
Weight (lbs)
Body Fat %
Resting HR (bpm)
Steps
Water (oz)
Mood / Energy (1-10)
Stress Level (1 = calm, 10 = maxed out)
Weight (240→200 lbs)
—
Stress Level (lower is better)
—
Daily Steps (10k goal)
—
Water (128oz goal)
—
NutritionDaily Log
Calories eaten
Calories burned 🍎
Protein (g)
Carbs (g)
Fat (g)
Meal Quality (1-10)
Calories (2,400 target)
—
Protein (200g target)
—
Snap a meal — auto-fill macros
Sleep & TrainingDaily Log
Sleep hours
Sleep quality (1-10)
Bed time
Wake time
Workout type
Duration (min)
Morning routine ✓
Sleep (8h target)
—
Gym 5× / week
0 / 5
Apple Watch Auto-Sync
Set up the Health Auto Export webhook in Connect Accounts to pull steps, resting HR, sleep and weight in automatically — no manual typing.
Today's Summary—
Log your stats above and hit Save to see your daily summary here.
Active Goals
Weight 240→200 lbs
Log weight
Gym 5× / week
0 / 5 days
Sleep before midnight
Log bedtime
10k steps / day
Log steps
Protein 200g / day
Log nutrition
Reach visible abs (90d)
Long-term
Health Log HistoryLast 7 days
Date
Weight
Sleep
Calories
Protein
Steps
Workout
Mood
Perf.
No logs yet — save your first daily log above.
Wealth / Business
Business Dashboard
7XCHANGE · ElaVar Advisory Group · The Mamon Group
All Businesses — Consolidated
Consolidated
Monthly Revenue
$0
Log revenue below
Monthly Expenses
$0
Business costs
Net Profit
$0
Profit margin: 0%
Cash Reserve
$0
Business account
YTD Revenue
$0
Year to date
Outstanding Invoices
$0
0 unpaid
Active Clients
0
Current roster
Avg Revenue / Client
$0
This month
Log RevenueIncome
Client / Source
Amount ($)
Category
Date
Log Business ExpenseExpense
Description
Amount ($)
Category
Date
Business Cash Reserve
3-month runway target
—
Revenue vs. ExpensesThis month
Invoices
No invoices yet — click + Add to track outstanding payments.
Clients
No clients yet — click + Add to build your roster.
Transaction HistoryAll businesses
Date
Business
Description
Category
Type
Amount
No transactions yet — log your first revenue or expense above.
7XCHANGE — Clothing StoreRetail
Monthly Sales
$0
COGS
$0
Gross Profit
$0
Units Sold
0
Inventory Value
$0
Avg Order Value
$0
Returns
0
Margin %
0%
Units Sold
Avg Price ($)
Inventory Value ($)
ElaVar Advisory Group — Finance FirmAdvisory
Monthly Revenue
$0
Active Clients
0
AUM
$0
Avg Fee / Client
$0
Consulting Rev.
$0
Retainer Rev.
$0
Proposals Out
0
Close Rate
0%
Active Clients
AUM ($)
Consulting Rev ($)
Retainer Rev ($)
The Mamon Group — Real EstateReal Estate
Monthly Revenue
$0
Active Listings
0
Commissions YTD
$0
Deals Closed
0
Prop. Mgmt Rev.
$0
Pipeline Value
$0
Avg Deal Size
$0
GCI Rate
0%
Active Listings
Deals Closed YTD
Commission Rev ($)
Prop. Mgmt Rev ($)
Owned Rental PropertiesLive from Rental Portfolio
Properties Owned
0
Combined Equity
$0
Gross Rent / mo
$0
Net Cash Flow / mo
$0
This pulls directly from Rental Portfolio — add or edit properties there and Mamon Group's numbers update automatically. Rental net cash flow counts toward Mamon Group's total monthly revenue above.
Performance Over Time
Revenue vs ExpensesLast 6 months, real logged entries
Projects
Projects0 active
Faith
Faith & Devotion
Scripture, prayer, and gratitude — tracked the same way you track everything else
Today's Scripture—
Loading today's verse…
This Week's Focus—
Devotional Streak
0
DAY STREAK
Longest streak0 days
Total days logged0
Bible Reading Plan
Day 0 of 00%
Today's reading: —
Church NotesType it in — AI breaks it down and turns it into daily action
Past Notes
Gratitude Journal3 things, every day
Prayer Journal
Prayer Requests0 active
Journal
Journal & Reflection
Mood, wins, lessons — the running record of who you're becoming
Today's Reflection
—
Goals0 active
Mood TrendLast 14 entries
Recent Entries
Productivity
Productivity
Calendar, tasks, habits, routines, and notes — the daily mechanics of getting things done
The people, things, and dates that matter outside of work
UpcomingBirthdays & renewals in the next 60 days
Family & Relationships0 people
Pets0 pets
Vehicles
Subscriptions$0/mo
Important Documents
Upcoming Trips
Books & Reading0 read
Finished
Life Insurance & Estate Basics0 policies
Estate Documents
The basics every family should have in place — track whether each one exists, and where.
Settings
Connect Accounts
Enter your API keys to activate live data
Your Login
A simple passcode gate in front of the dashboard
The lock screen you see before this dashboard loads checks a passcode set directly in the code (search for LIFE_OS_PASSCODE in the JS to change it). Being honest about what this is: it's a client-side check — anyone who views the page source could find the password, so it deters casual visitors and search engines, but it isn't real server-side security. It stays unlocked for your current browser session; closing the tab and reopening asks again. For a much harder-to-bypass layer, use the _headers Basic-Auth file (blocks access at the server, before the page even loads) — see SETUP.md. Using both together is the strongest setup.
Touch ID / Face ID
Unlock with your device's biometrics instead of typing the password. Needs the real deployed HTTPS site — won't work testing locally.
P
Plaid — Bank Accounts
Checking · Savings · Credit Cards · Cash
FreeSandbox
Plaid's API doesn't allow calling it directly from a browser with your Client ID/Secret — it has to go through a server. Your keys now live in Netlify environment variables (see setup steps below) instead of being typed in here, and this button calls a Netlify function that talks to Plaid on your behalf.
S
Charles Schwab — Brokerage
Holdings · Balances · Positions · Returns
Freedeveloper.schwab.com
APP KEY
APP SECRET
After Step 1: log in to Schwab in the new tab → click Allow → you will see a blank error page → copy the FULL URL from the address bar → paste it in the field below → click Step 2. Once connected, your App Key/Secret and tokens are saved in this browser — you won't need to redo this on every visit or deploy. Schwab requires a full reconnect roughly once a week (their security policy, not this app) — if your portfolio looks stale, just repeat Step 1 & 2.
STEP 2 — PASTE THE REDIRECT URL FROM YOUR BROWSER ADDRESS BAR
Anthropic — Food Photo Scanning
Snap a meal photo → auto-fill calories & macros
Pay-per-use
ANTHROPIC API KEY
Get a key at console.anthropic.com → API Keys → Create Key. This key is kept in your browser only (sessionStorage) and is sent directly from your phone/browser to Anthropic when you scan a food photo — it is never stored on a server. Set a low monthly budget limit on the key in the console as a safety cap.
Apple Watch — Auto-Sync
Steps · Resting HR · Sleep · Weight · Active Energy
Health Auto Export (Premium)
This dashboard is a static site — it can't reach into your Apple Watch on its own. The bridge is the Health Auto Export iPhone app: it reads HealthKit in the background and POSTs the data to a webhook URL on a schedule. Point that webhook at this site's health-import function and every log auto-fills.
Header to addx-webhook-secret: (set in Netlify env)
Last webhook receivedNever — see setup steps below
Connection Status
NAF MortgageConnected ✓
Plaid / BankNot connected
Schwab BrokerageNot connected
Supabase (health data)Not configured
Anthropic (food scan)No key saved
How to get your keys
1
Plaid — dashboard.plaid.com
Create free account → Team Settings → Keys → copy Client ID and Sandbox Secret.
dashboard.plaid.com → Team Settings → Keys
2
Schwab — developer.schwab.com
Sign in with your Schwab login → Create App → name "Life OS" → callback URL: https://127.0.0.1 → copy App Key + Secret.
developer.schwab.com → Apps → Create App → Life OS
3
Paste keys above and connect
Keys are held in browser memory only — never stored to disk or sent anywhere except official Plaid and Schwab APIs. Regenerate keys after connecting for security.
4
Anthropic — console.anthropic.com
Create account → API Keys → Create Key → paste it in the card above. Set a monthly spend limit on the key as a safety cap.
console.anthropic.com → API Keys → Create Key
5
Health Auto Export — App Store
Buy Premium (needed for background REST API automation — Basic only allows manual/Shortcuts export). Open app → Automations → New Automation → REST API → paste the Webhook URL above → add header x-webhook-secret with the value you set in Netlify → select Steps, Resting Heart Rate, Sleep Analysis, Weight, Active Energy → set frequency (e.g. every 1 hr) → Save.
Health Auto Export → Automations → New → REST API
Arti
Not a substitute for real people — for real crises or real spiritual direction, talk to real people too.