A private, invite-only household finance tool by HK Applications LLC, Wichita, Kansas.
We never ask for bank logins, card numbers, or IDs - you keep your own ledger. Terms of Use · Privacy Policy · Contact
Cedar & Coin
Rooted in wisdom. Faithful with money.
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Customize your page
Drag cards to reorder (or use the ↑ ↓ buttons) · ✕ hides a card · hidden cards come back from here
Income vs Expenses
Trailing months for the selected view
IncomeExpenses
Spending by Category
Selected month · tick mark = monthly budget
Ask Cedar
A financial brain that reads only your numbers · projections, affordability checks, what-changed questions · it will not talk about anything but money
I'm Cedar. I can see your full financial picture and nothing else. Ask me anything about it - payoff timing, whether you can afford something, what changed this month, or where the plan is weak.
Debt-free when?What changed?Wedding paceOver budget?⬇ Export my data
Cedar answers from your data only. Educational insight, not licensed financial advice.
Transactions
Every dollar in and out · click any row to edit or delete · search matches description, source, category, and method
Recurring
Fixed costs and income that post themselves every month at 6 AM · toggle off to pause · the poster runs daily and catches up if a day is missed
Subscription auditor · found automatically in your history
Statement Import
Drop a bank or card CSV, OFX/QFX, or PDF statement · rows get auto-categorized from your rules · fix a category once and it remembers the merchant forever
Drop a CSV, OFX/QFX, or PDF statement here - or click to choose a file
Date Description Amount Spending is Entity Account
Wedding Command Center
May 7, 2027 · the fund, the pace, and every vendor payment in one room · click a payment to edit · check it off when paid
Bill Calendar
The selected month at a glance · gold = recurring · cedar = debt payments (set a due day on any debt) · green = wedding payments
Monthly Review
The five-minute money date · what moved, what broke the budget, and the one lever for next month
⚖ Classify categories
Where it moved
Budget verdicts
Needs · Wants · Future you
reads only your numbers
Steady Paycheck
For commission and side-income months that swing · pay yourself a flat salary, let the buffer absorb the swings · fat months feed it, lean months draw from it
Savings Plans
Three plans built from your last 3 months of real spending · pick your intensity · applying a plan rewrites your monthly budgets to match it
Debt
Click ▸ to expand grouped loans · click any loan to edit · ✎ = your custom rank · "SAVE pause" = $0 due, interest accruing
Savings & Goals
Click any goal to update its balance
Debt Payoff Simulator
Slide extra money at the problem and watch death dates move · paused (SAVE) loans are excluded · payments roll over as each debt dies
Extra / month$0
College Funds
One fund per child · projections compound monthly at your expected return · Kansas Learning Quest 529 deducts up to $3,000 per beneficiary per year from state taxable income
Chart Studio
Select any mix of expense + income categories, pick a chart type, slice your money any way you want
ChartRange
Money Moves
Advice as action items - tax hacks, big-purchase rules, and setting the future kids up. Check them off as life happens.
Goals & Rewards
Hit the number, earn the fun action · click a goal to update progress
Household
Combine finances with your partner - each of you controls what the other sees
Investments
Click any holding to edit units / cost basis / price
Roth IRA — click to update contributions
Market Watchlist
Live charts for what you own · ↻ Prices pulls the latest closes into every ticker