From your bank to one answer, and back again.

1. Your accounts come in

Connect a bank, card, loan or brokerage through the bank-data provider: you pick your bank, you sign in at your bank, and Panorama receives read-only access. Or import CSV, OFX and QFX files and PDF statements, or keep an account by hand. Every balance is anchored to the bank's own figure on the bank's own date.

2. It files itself, and shows its work

Each transaction is read down to the merchant behind the card processor, looked up once (the name, the place, the kind of business), 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. When Panorama is not sure, it asks you, once, and remembers.

3. You get answers, not a dashboard

Now tells you what is safe to spend before the next paycheck. Coming shows every bill and paycheck ahead. Spending and Flows show where it went. Things shows what you hold and owe. Needs you is the short list of things only you can answer.

4. You can walk any figure back

Under every figure is the line it came from. Press it, and you see the rows that made it, the rule that filed each one, and the statement that confirms the balance.

5. It speaks first (Premium)

Money running short before the next pay, something you pay for costing more, a charge that looks like it was taken twice, a bank that stops answering: Panorama tells you, once, instead of waiting for you to notice.