Understand what happened
Transactions and Trends reveal the categories, merchants and patterns behind your spending.
Transactions + TrendsComing soon for Mac
See where your money is going.
Know where it’s going next.
Capehelm brings spending, budgets, cash-flow forecasting, trends and net worth together in a private finance workspace designed for your Mac.
◆ No financial account required◆ No advertising◆ Local-first by design
August overview
Your financial position
Income$7,850Month to date
Spending$4,24054% of income
Left to plan$1,430On track
Net worth$286kUp this year
Spending this monthHealthy pace
Coming up14 days
- Income+$3,920
- Commitments−$1,740
- Flexible room$680
One clear financial picture
Your finances shouldn’t require detective work.
Capehelm brings the past, present and next two weeks into one calm environment—so the numbers lead to decisions.
Know where you stand
Dashboard and Budget Health show whether the month is steady, drifting or needs attention.
Dashboard + BudgetPlan what comes next
Forecast and Financial To-Do help you prepare for commitments before they put pressure on cash flow.
Forecast + To-DoForecast
See the next two weeks before they happen.
Capehelm combines upcoming income, expenses, card payments and recurring commitments into a day-by-day view of your checking balance.
- Projected checking balance
- Safety-floor awareness
- Upcoming commitments
- Flexible spending room
- Forecast Coverage
- Daily planning
14-day outlook
Know what your money needs to do
Starting balance$4,820Northstar Chequing
Lowest balance$2,160Above safety floor
Flexible room$620After commitments
Projected checking balanceSafety floor $1,500
TodayEveryday Visa−$820Covered
Budget Health
A budget that tells you how you’re actually doing.
Compare your monthly plan with actual spending and projected month-end results. Capehelm calls out what is on track, what deserves a watch and what is already over plan.
Actual MTDWhat has happened
ProjectedWhere the month is heading
HealthWhat needs attention
Monthly plan
Budget health
76%month planned
Actual MTD$4,24052% of plan
Projected month-end$7,980$120 under plan
GroupPlanProjectedStatus
Home & utilities$2,180$2,090On track
Groceries$820$760Watch
Travel$410$540Over plan
Savings goals$1,200$1,200On track
Trends
Turn thousands of transactions into something you can see.
Move from a spending treemap to category and merchant detail without losing the larger picture.
Spending patterns
See the shape of your spending
GroupCategoryMerchant
Housing34%
Groceries18%
Travel14%
Dining10%
Utilities9%
Shopping8%
Other7%
Top movementsvs last year
- Groceries+8%
- Dining−12%
- Travel+5%
- Utilities−3%
Group / Category / MerchantMonth / 3M / 6M / YTDLocal merchant aliasesDrill-down details
Net Worth
Measure progress beyond this month’s spending.
Bring organizations, accounts, assets and liabilities into one long-term view. See contribution-adjusted growth alongside liquid assets and secured debt.
- Assets and liabilities
- Account histories
- Contribution-adjusted growth
- Account and institution organization
Long-term progress
Net worth
Current net worth$286,420Contribution-adjusted growth +6.8%
Investments$184k64% of assets
Liquid assets$42k14% of assets
Property$380kUpdated recently
Liabilities$320kMortgage + vehicle
Weekly Spending Review
Three things to know this week
CH
WEEKLY FAMILY PLANA clear plan for the week ahead.
$680Flexible room5Commitments14 daysPlan horizon
Built from synthetic demonstration data.
Reports
Financial clarity you can actually share.
Capehelm turns complex household finances into concise reports designed for a partner or family money conversation.
Weekly Family PlanWeekly Spending ReviewWeekly Money Check-InMonth-End Money Review
Report imagery uses synthetic demonstration data.
A complete workspace
Serious tools. One coherent financial picture.
Dashboard
Your financial position at a glance.
Budget Health
Know what is on track and what needs attention.
14-Day Forecast
See upcoming cash flow before it happens.
Trends
Explore spending by group, category and merchant.
Transactions
Search, inspect and organize your financial history.
Categories & Rules
Teach Capehelm how your financial life works.
Net Worth
Track long-term financial progress.
Retirement
Compare long-term paths, timing and contributions.
Reports
Turn complexity into clear household updates.
Financial To-Do
Remember payments, reimbursements and follow-ups.
Mac + iPhone
Built for the devices already in your life.
The Mac is Capehelm’s complete finance workspace. The iPhone companion keeps selected Forecast, Reports, Financial To-Do and shared-document workflows close at hand.
14-day outlook
Know what your money needs to do
Starting balance$4,820Northstar Chequing
Lowest balance$2,160Above safety floor
Flexible room$620After commitments
Projected checking balanceSafety floor $1,500
TodayEveryday Visa−$820Covered
CH Capehelm
Forecast
Next 14 daysLowest balance$2,160Above safety floor
The iPhone companion focuses on selected workflows and does not mirror the complete macOS feature set.
Coming soon for Mac
Take control of your finances
without giving them away.
Capehelm is not yet available. Explore the private financial workspace we are building, with no release date announced.