01
Connect the household
Production intake will use secure, read-only Plaid connections across checking, savings, credit, and loan accounts.
Public prototype · synthetic data only
See where your year really went.
A household financial audit that reconciles 12 months, finds what is missing, and turns the evidence into three usable budgets and a 90-day repair plan.
Live bank connection is off No real financial data
The Moreno household · synthetic
Your financial year, reconciled
Household Number
$5,460
reconciled monthly cost
Available margin
$1,364
average per month
Annual household cost
$65,522
reconciled total
Household coverage
4 institutions · 148 ledger entries
Household coverage
Likely missing account found
$18,258 in annual payments appears to flow to an unconnected Capital One card.
12 months
reconstructed
148
ledger entries reviewed
$65,522
true annual cost
2
targeted questions
Where your year went
A reconciled household ledger, not another category chart.
Transfers and connected card payments are excluded. Refunds reduce their original category. Ambiguous activity stays outside the total until the household answers a targeted question.
Ledger integrity verified
Every visible total comes from the same report result. Report ID: SHA-DEMO-4109AFA4
External household spending
$65,522
Home & utilities$28,752
Food & household$5,712
Family & care$11,040
Annual commitments$1,460
Unconnected account payments$18,258
Lifestyle & subscriptions$300
Three budgets, three jobs
The plan changes when life changes.
Every budget below reconciles to its visible components. Missing-account payments stay protected until the household resolves them.
Reality monthly budget
$5,460
Known essentials
$3,914
Unconnected gap
$1,522
Flexible
$25
Component total: $5,460 · Integrity check passed
Evidence-backed recommendations
Every recommendation has receipts.
Advice is tied to ledger evidence, reproducible arithmetic, confidence, and a first action. Unsupported savings claims are not shown.
01
Close the invisible card gap
Connect the Capital One account to verify $18,258 in payments.
Accuracy
Evidence found
02
Fund annual costs before they become emergencies
$1,460 in identified annual expenses was not represented as a monthly reserve.
$1,460/yr planned
High confidence
03
Review recurring household drag
$300 in recurring subscriptions was found in the ledger.
Up to $75/yr
Medium confidence
How it works
Minimal effort for the household. Maximum traceability in the report.
02
Resolve only material gaps
The engine finds missing accounts and ambiguous activity, then asks only questions that can change the result.
03
Receive a verified plan
The ledger produces the Household Number, three budgets, recommendations, and a 90-day repair plan with evidence.
Interactive sample workflow
From evidence gaps to an updated 90-day plan.
Synthetic data only. Answers remain in browser memory and disappear when the page is refreshed.
Load the synthetic household to answer two material questions and watch the report recalculate.
Security and privacy
Production access stays closed until the trust controls are real.
This public build accepts no names, emails, bank credentials, account data, or payments. Plaid and customer storage remain disabled.
Not active
Read-only Plaid intake
Planned for production; bank credentials will be entered through Plaid Link, not Sclerite.
Production gate
Encrypted customer records
Server-side tokens, encryption, customer identity, and access controls are required before launch.
Production gate
Deletion and retention
Customers must be able to disconnect institutions and delete reports under a published retention policy.
Active rule
Strict product isolation
Home Audit does not share source, credentials, data, customers, or claims with Sclerite Intelligence.
Planned launch pricing
Start with one complete audit. Add monitoring only if it helps.
Pricing is proposed for the founder pilot. Checkout is intentionally disabled until security, legal, and delivery gates are complete.
Household Audit
Core product$249
one time
- 12-month multi-account reconstruction
- Missing-account and reconciliation review
- Household Number and three budgets
- Verified recommendations
- Professional report and 90-day plan
Ongoing Monitoring
$19
per month after an audit
- Monthly account refresh
- New missing-account alerts
- Budget drift detection
- Quarterly plan refresh
- Cancel before activation at any time
Frequently asked questions
The questions a careful household should ask.
Can I connect a real bank account today?
Not in this public demonstration. Live Plaid connection, customer identity, consent, retention, and deletion controls must pass the production gate first.
Will Sclerite see my bank password?
When production connection is enabled, customers will authenticate through Plaid Link. Sclerite Home Audit will not collect or store online-banking credentials.
Which accounts belong in an audit?
Checking, savings, credit cards, loans, and other accounts used by the household should be included. Coverage is shown before a report can be finalized.
What happens when an account is missing?
The ledger identifies recurring payments to unconnected institutions, shows the evidence, and asks a targeted question before the result is finalized.
Does answering a question change the report?
Yes. In this demonstration, each answer immediately recalculates annual cost, the Household Number, margin, coverage, categories, and all three budgets.
Is this financial advice?
No. Sclerite Home Audit is educational financial analysis. It is not individualized legal, tax, investment, credit, or accounting advice.
Can I delete my data?
This demonstration uses synthetic data and keeps answers only in browser memory. Production launch is blocked until customer-controlled deletion and documented retention are implemented.
Demo privacy
This page uses synthetic household data. Question selections remain only in browser memory and are cleared on refresh. No contact or financial information is collected.
Production gate
Formal privacy, terms, retention, deletion, incident-response, and vendor disclosures must be reviewed and published before real financial data or payments are enabled.
Product boundary
Sclerite Home Audit is a distinct Sclerite-family software product. It is isolated from Sclerite Intelligence and every other Sclerite application.
Prototype terms: demonstration only; not available for purchase today. Educational financial analysis, not individualized legal, tax, investment, credit, or accounting advice. Formal customer terms and a verified support address remain launch requirements.