My Financial Panorama
Your money, reconciled to the cent.
Panorama is a double-entry ledger of everything you own and everything you owe — personal and business, in one place. Every balance is anchored to the bank's own figure on the bank's own date. Every number on every screen carries the statement it came from. If something is missing, it says missing. It never says zero.
No ads. Your data is never sold, and never used to sell you anything.
The claim
One figure, and you can walk it all the way back to the bank.
Most money apps show you a number and ask you to trust it. Panorama shows you the number and the audit trail underneath it: which account, which statement, which date, which rule decided the category, and who changed it last.
Every open account's posted balance equals the bank's own figure on the bank's own date, or the discrepancy is on screen. Not rounded. Not approximately.
Nineteen gates run against the real system before anything ships — including one that proves a backup restores and one that proves no test data was left behind.
A modelled figure is labelled modelled. An unknown is labelled unknown. Nothing is quietly filled in to make a screen look finished.
How it works
Three things happen. You do the first one.
Connect your accounts here.
Banks, cards, loans, brokerages and payment processors connect inside Panorama — you pick your bank, you sign in at your bank, and you are done. You never buy a subscription from a third party to make your own accounts work. Statements, CSVs and OFX files import too, and an account with no connection can be kept by hand.
It files itself, and shows its work.
Each transaction is read down to the merchant behind the processor, categorised, matched to its other half when money moved between your own accounts, and posted to the right book — personal or business — with the reason recorded. Correct it once and it learns the rule.
You get one answer, not a dashboard.
What you are worth, what is liquid, what is owed, where it moved, and the short list of things that genuinely need you. Reports, statements and a full export are yours whenever you want them — including a plain double-entry journal your accountant can read.
The standard
What we will not do, written down before you ask.
A finance product is only as good as the things it refuses. These are not marketing lines; they are rules the build is held to, and the verification gates enforce the ones that can be enforced by a machine.
- Missing is missing.An absent figure renders as missing, never as zero. A zero on a Panorama screen means zero.
- Nothing is asserted.A number is published only from the source that owns it. If two sources disagree, you see both and which one we trust.
- Your data is not the product.No advertising, no data brokering, no selling your transactions to anyone, in aggregate or otherwise.
- Nothing moves money.Panorama reads. It does not pay, transfer, trade or initiate anything, and the credentials it holds cannot.
- Secrets are sealed.Every connection credential is envelope-encrypted, so a stolen database backup carries ciphertext and nothing that opens an account. Sign-in is a passkey, not a password.
- You can leave with everything.Full export of every account, transaction, balance and rule, in open formats, on demand. No hostage data.
- Nobody else is watching this page.No third-party fonts, scripts, analytics or trackers. Everything you just loaded came from our own server.
Access
Not open to the public yet. On purpose.
Panorama is running on real accounts today and is being opened deliberately rather than quickly — a product that holds your bank data does not get a growth-hacked launch. Ask for access and you will get a straight answer about where it actually is.