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CalBudget is manual-first, but it includes import and reconciliation tools for users who want help from real transaction history. CalBudget import review workflow with matches and commit step

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Import goals

Imports are designed to:
  • Detect recurring income and expenses.
  • Help users reconcile planned transactions against posted history.
  • Avoid requiring a bank login for the core product.
  • Keep the user in control before changes affect the calendar.

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Supported statement files

  • CSV
  • OFX
  • QFX
The parser normalizes debit and credit signs, detects common statement formats, and stores raw row metadata for review.

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Reconciliation workflow

  1. Upload a statement.
  2. CalBudget creates an import batch.
  3. Rows are normalized into reviewable import rows.
  4. The app suggests matches against existing planned transactions.
  5. The user accepts matches, creates new transactions, or ignores rows.
  6. The session is committed.

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Match signals

Suggested matches use:
  • Account ownership
  • Amount
  • Nearby dates
  • Similar transaction title
  • External fingerprint

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Category rules

Category rules can apply categories during import review. Rules have priority so a more specific rule can win over a generic one.

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Plaid status

Plaid support exists as an optional integration surface. The core product does not require Plaid. Users can still plan entirely manually. Imports and reconciliation are paid features. Free users should see an upgrade prompt before using them.
Imports should never silently overwrite a user’s forecast. Review and commit steps are important because planning data can be different from posted bank history.