Built from the payday spreadsheet
Plan every payday with clarity, history, and control.
DRiv Family Finance turns the existing bi-weekly settlement workbook into a secure web app for fixed billing cycles, projected balances, net worth tracking, and read-only AI insights.
Current cycle
Payday review
Projected after cycle 1
$--
Manual balance minus planned bills
Projected after cycle 2
$--
Second fixed billing section
Net worth
$--
Assets minus liabilities over time
Read-only AI
Phase 1
Insights only, no write actions
Planner model
All planned bills reduce projected balance by default, with flexible one-off items and saved history for month-over-month and year-over-year reporting.
Phase 1 modules
Manual-first MVP
Security posture
Sensitive by design
Manual-only first: no live bank integrations in Phase 1.
Strong login with MFA/passkeys required before hosting real data.
Real financial amounts stay in the private database, never in GitHub.
The app tracks and plans payments only; it never initiates payments.