Dashboard
A clearer finance workspace for accounts, spending, cash flow, company income, and investments.
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Salary income
€8,400
Two recurring salary inflows are driving the current monthly baseline.
Dividend income
€1,240
Dividend run-rate stays visible separately from lifestyle and spending categories.
Rental income
€2,160
Apartment and house rent stay tied to the personal economy side instead of company flows.
Realized P/L
+€3,280
Selling gains and losses are visible here, but still kept distinct from recurring income.
Active flows
—
Connected flows that are active in the billing engine.
Current month usage
€0.00
What the current billing period has accrued so far.
Transaction intelligence
Rule-based signals v1Signals
uncategorized, recurring, concentration, volatilityLearning loop
User corrections and category feedbackNext view
Signal snapshots and recommendationsNet worth
€686,547.97
↑ €23,292.75 (3.5%) monthly change across linked personal accounts
Cash & equivalents
€65,755.47
4 linked accounts
Investment assets
€541,793.51
Dividend and pension mix
Real estate
€300,816.71
Rental + owner occupied
Liabilities
€241,888.78
Loans and cards
€663,180
January
Monthly view
€689k
€682.5k
€676k
€669.5k
€663k
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Cash
€1,573.70 (2.5%) monthly change
€65,755.47
4 linked accounts
C
Main Checking
Nordea • Checking
€15,683.48
2 hours ago
S
Joint Savings
OP • Savings
€50,071.99
2 hours ago
Investments
€10,635.13 (2.0%) monthly change
€541,793.51
Brokerage + pension
IB
Dividend Portfolio
Interactive Brokers • Brokerage
€180,805.26
Dividend yield 3.9%
P
Pension Basket
Nordnet • Pension
€150,089.46
Quarterly view
Real estate
€6,173.44 (2.1%) monthly change
€300,816.71
2 apartments + 1 house
R
Rental Apartment A
Real estate • Rental
€182,400.00
Rent synced
H
Primary Home
Real estate • Owner occupied
€118,416.71
Mortgage attached
Summary
Totals
Percent
Net position
€686,547.97
Cash share
7.1%Investment share
58.4%Debt ratio
26.0%Property share
32.4%
Assets
€928,436.75
Investments
€541,793.51Real estate
€300,816.71Cash
€65,755.47Vehicles
€20,071.06
Liabilities
€241,888.78
Loans
€239,377.23Credit cards
€2,511.55
Suggested filters
Good defaults
Banks
Nordea / OP / NordnetAccounts
Checking / Savings / BrokerageType
Cash / Investment / PropertyOwnership
Personal / JointCurrency
EUR / multi-currency laterTransactions
Search
Date
Filters
Edit rules
Add transaction
All
Income
Spending
Transfers
Recurring
Pending
Rules
| Merchant | Category | Account | Amount |
|---|---|---|---|
| State FarmDec 18, 2024 | Insurance | Melanie's Checking | $90.91 |
| IBMDec 11, 2024 | Paychecks | Melanie's Checking | +$2,000.00 |
| University of IllinoisDec 11, 2024 | Paychecks | Melanie's Checking | +$2,200.00 |
| Student Loan PaymentDec 10, 2024 | Loan Repayment | Melanie's Checking | $500.23 |
| PelotonDec 9, 2024 | Fitness | Joint Credit Card | $39.99 |
| ComcastDec 9, 2024 | Internet & Cable | Joint Credit Card | $115.00 |
Summary
Total transactions383
Largest transaction+$2,200.00
Largest expense$1,385.00
Average transaction+$142.94
Total income+$101,869.00
Total spending$50,381.88
First transactionDec 17, 2023
Last transactionDec 18, 2024
$4,200.00
Total income
$3,719.46
Total expenses
$480.54
Total net income
11.4%
Savings rate
Cash Flow
Spending
Income
This month
Filters
By category & group
Share
Cash flow
Dec 1, 2024 - Dec 31, 2024
Sources
Income
Savings / groups
Categories
Paychecks
$4,200.00 (100%)
Income
$4,200.00 (100%)
Savings
$480.54 (11.44%)
Housing
$1,593.00 (37.93%)
Financial
$741.68 (17.66%)
Food & drink
$232.35 (5.53%)
Savings
$480.54 (11.44%)
Mortgage
$1,385.00 (37.24%)
Home improvement
$208.00 (5.59%)
Loan repayment
$500.23 (13.45%)
Insurance
$201.45 (5.42%)
Food & dining
$232.35 (5.53%)
Summary
Totals
Percent
This month
Income sources
$4,200.00
Paychecks$4,200.00
Spending groups
$3,719.46
Housing$1,593.00
Financial$741.68
Food & drink$232.35
Everything else$1,152.43
Savings
$480.54
Savings rate11.44%
Spending by category
Dec 1, 2024 - Dec 31, 2024
By category
Total amounts
Change over time
Share
$3,719.46
Total
Mortgage$1,385.00 (37.2%)
Loan Repayment$500.23 (13.4%)
Garbage$320.47 (8.6%)
Home Improvement$208.00 (5.6%)
Insurance$201.45 (5.4%)
Pets$150.00 (4.0%)
Phone$140.00 (3.8%)
Internet & Cable$115.00 (3.1%)
Groceries$110.00 (3.0%)
Gas & Electric$108.00 (2.9%)
Restaurants & Bars$107.35 (2.9%)
Everything else$373.96 (10.1%)
Personal spending categories
Food & Drink
Groceries, coffee, deliveryHealth & Education
Doctor, wellness, fitnessHome
Rent, utilities, repairsTransportation
Fuel, taxi, public transportShopping
Clothes, gifts, electronicsFinancial Expenses
Loans, taxes, fees, insuranceInternal Transfers
Kept separate from real spendingOther / Undefined
Review bucket for uncategorized itemsPortfolio value
€541,793
Tracked holdings
Dividend run-rate
€5.8k
Annualized dividend view
Realized gains
€2.6k
Current period sales
Realized losses
-€740
Loss side kept explicit
Investments
€541,793.51
↑ €10,635.13 (2%) 1 month change
Performance
1 month
Investment mix
Financial investments
€312kPension
€88kRealty
€94kSavings
€47kMonthly budget
€5,400
Planned lifestyle spend
Spent so far
€3,719
69% of budget used
Remaining
€1,681
Left for the rest of month
At risk
2
Categories trending above plan
Budget by category
Home
€1,650 / €1,900Food & Drink
€540 / €700Transportation
€280 / €350Shopping
€460 / €400Life & Entertainment
€315 / €300Budget notes
OverspendingShopping, Entertainment
Stable areasHome, Transport
Next reviewApr 01
MethodEnvelope-style category targets
Recurring
Monthly
Subscriptions
Bills
| Item | Type | Next due | Amount |
|---|---|---|---|
| Apartment rentHome | Recurring bill | Apr 02 | €1,120.00 |
| Phone & InternetCommunication | Recurring bill | Apr 05 | €69.90 |
| SpotifySubscriptions | Subscription | Apr 09 | €12.99 |
| Gym membershipHealth & Education | Subscription | Apr 12 | €44.00 |
Recurring summary
Monthly recurring total€1,446.89
Subscriptions€56.99
Bills€1,389.90
Next large debitApartment rent
Emergency fund
78%
€11.7k of €15k target
Dividend target
64%
Annual run-rate progress
Mortgage reserve
92%
6-month buffer nearly full
Lifestyle margin
11.4%
Current savings rate
Goal stack
Emergency fund
€11,732 / €15,000Dividend flow
€5,800 / €9,000Travel reserve
€1,640 / €3,000Tax buffer
€3,100 / €4,000Next actions
Top up emergency fund+€540 this month
Shift extra salaryTo savings + pension
Review spending driftShopping, Entertainment
Advice
Cash flow
Salary covers fixed costs with room to increase savingsSpending
Shopping and entertainment are the first categories worth tighteningInvestments
Dividend flow is growing, but realized selling should stay separate from lifestyle spendingRead-only rule
Omadata reads and organizes finance data only, it never initiates transactionsProcountor income
€42.6k
↑ 8.4% billed this month
Company spending
€18.9k
Payroll, tools, and operating costs
Open invoices
14
Awaiting payment confirmation
Cash reserve
€96.4k
Healthy after VAT buffer
Company cash position
€96,438.20
↑ €7,912.44 (8.9%) 1 month change
Procountor sync
This month
Company summary
current monthConsulting income
€24,100Subscription income
€8,940Payroll & taxes
€11,280Software & ops
€3,620VAT reserve
€9,740Company ledger
Invoices
Expenses
Payouts
| Entry | Type | Status | Amount |
|---|---|---|---|
| Lund Analytics OyInvoice #2026-031 | Consulting invoice | Sent | €8,400.00 |
| Nordic Growth LabsInvoice #2026-028 | Subscription contract | Paid | €2,160.00 |
| Payroll MarchProcountor payout batch | Payroll | Processed | €6,840.00 |
| VAT reserve transferTreasury move | Reserve allocation | Booked | €4,200.00 |
| Google WorkspaceMonthly software | Software expense | Paid | €184.00 |
Operations
Open invoices14
Overdue invoices2
Next payroll runMar 28
Next VAT filingApr 12
Average invoice size€3,042
Expense ratio44.3%
Steps
8234steps
Progress10000 steps
Today
Water Intake
6glasses
Progress8 glasses
3 hours ago
Focus Time
4.5hours
Progress6 hours
1 hour ago
Learning
45minutes
Progress60 minutes
2 hours ago
Steps History
Last 7 days
↗ +12% vs last week
14000
10500
7000
3500
Mar 8
Mar 9
Mar 10
Mar 11
Mar 12
Mar 13
Mar 14
4
Total Metrics
77%
Avg. Completion
4/4
On Track
Connected providers
3
Apple Health, Garmin, Health Connect design path
Last synced activities
14
Run, ride, walk, and strength blocks
Sleep average
7h 42m
Last 7 nights, read-only import
Recovery baseline
Stable
HRV and resting heart rate pending expansion
Sport & Health readiness
Apple Health / Apple Watch
iPhone-first, on-device health source
Activities
Steps
Sleep
Heart rate
Garmin
Cloud wearable sync for richer workout structure
Activities
Routes
Recovery
Training load
Health Connect
Android-first health hub, ready for Omadata app-side ingest
Activities
Sleep
Body metrics
Latest synced sessions
Morning run
8.4 km
Garmin · 42 min · load 68 · synced 14 min ago
Evening walk
4.9 km
Apple Health · 51 min · steps and heart rate included
Strength block
36 min
Apple Watch workout · recovery impact pending
Activity sources
Apple Health
Read locally on iPhone, then normalized into Omadata
Device store
Read-only
Permission-scoped
Garmin
Cloud-side sync with workout and route structure
Wearable cloud
Activities
Recovery
Health Connect
Android health source recommended over Google Fit
Android-first
Bridge-free
Strava
Useful cloud sport bridge after Garmin and phone-native stores
Cloud sport
Routes
Import complement
Source policy
Canonical phone sourceApple Health / Health Connect
First cloud wearableGarmin
Not first-classGoogle Fit bridge only
Import laterFIT, GPX, TCX files
Sleep duration
7h 42m
7-night average
Resting heart rate
52 bpm
Apple Health baseline
HRV
61 ms
Trend looks stable
Readiness note
Moderate
Good for aerobic work, not peak effort
Recovery signals
Sleep consistency
5 / 7 nights on schedule
Enough regularity to trust baseline trends
Strain vs recovery
Balanced
Two higher-load days matched with lighter recovery work
Next product step
Sleep and metric entities
Separate recovery data from generic sport activities
Privacy and health boundaries
- Omadata should stay read-only for sport and health providers.
- Apple Health and Health Connect should request only the minimum needed permissions.
- Provider consent should be separate for activities, sleep, and body metrics.
- Support should never see provider tokens or unnecessary detailed health payloads.
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