Geldstroom.
A personal finance dashboard that turns raw bank statements into a clear, trustworthy picture of where the money goes.
Geldstroom ingests bank statements in CAMT format, then an AI model reads each transaction's description to categorise it and surface subscriptions, splits and one-offs. Every amount on screen is still computed in code from money that actually moved, never by the model.
Integrity is the whole point. Money is stored as signed integer cents, bank-imported fields like date, amount and counterparty are immutable, and nothing is hard-deleted. Categories, notes and links stay editable, and every derived total rebuilds from the source, so no number the dashboard shows can drift from the statements behind it.
On top of that ledger sit budgets, savings goals, shared-expense splits, a month-end forecast, and a subscription radar that flags dormant or rising costs before they land.
One dashboard
Income, expenses, cashflow and spending by category sit in one calm overview. Every figure is computed in code from money that actually moved, never estimated by the model.
Bank statement import
Geldstroom ingests bank statements in CAMT format. Imported fields like date, amount and counterparty are stored as immutable records, so the source behind every number stays intact.
AI categorisation
An AI model reads each transaction description to categorise it and surface subscriptions, splits and one-offs. It only ever touches the language; the code still computes every amount.
Budgets versus actuals
Budgets track planned against actual spend per category, rebuilt from the ledger so the numbers always reconcile back to the statements.
Month-end forecast
A running projection of where the month lands, with a clear breakdown of how the figure is built from committed and expected movements.
Upcoming payments and subscription radar
Known fixed costs and subscriptions are surfaced before they land, and the radar flags dormant or rising charges early.
Savings goals
Goals track progress, monthly contribution and target dates, with cash allocated from the same ledger so nothing is counted twice.
Shared-expense splits
Split a group cost and Geldstroom tracks the net after everyone pays back their share, reconciling to the cent.
The hard part was never the charts, it was never creating or destroying a single cent.
Netting, splits and cash allocation are where money-integrity quietly breaks, so every derived total rebuilds from the imported statements and has to reconcile back to them.
It already replaced a stack of spreadsheets. Next up is sharper forecasting and tighter subscription detection.
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