Everything between a bank statement and an overview.

camt.053 is the ISO 20022 account statement banks in many countries offer as XML. Parendi reads it with no preparation: you never hunt for a header row or map a column, because the account sits in the file as an IBAN. In the US, Canada, Australia and Brazil the statement is called OFX or QFX; it goes in the same way, and there the account type comes with it.

CSV and Excel work just as well but need your help once. The app proposes the columns, you confirm, and from then on it knows that format. Credit card statements are recognised by their card number and type columns, even when the export starts with four lines of preamble.

• Drag and drop into the window, or File › Import
• You pick the target account in the preview, pre-filled with what the file suggests
• Before saving you see every row with its category and can correct it

Memory first: if you have sorted this transaction by hand before, your decision stands. Then your keywords, then a category name found in the transaction text, and only then Apple Intelligence on your Mac.

Your manual correction therefore beats every rule and every guess. It holds until you change it yourself.

• Every row says which route decided it
• Keywords can be applied retroactively to older transactions
• A minus sign in front of a keyword excludes instead of includes
• A correction never turns into a rule on its own: what gets remembered is that exact transaction text, not a pattern

The twelve months sit along the top, with a dot under each one that has entries. Below them stand the numbers for the month you picked: income, spending, investments and what was left of it. To the right sits that month's spending by category, with each share of the total.

The table is the macOS one, and it behaves like it. You drag columns wider, sort with a click on the header and hide what you don't need from its context menu. Next month everything still stands the way you set it up.

• Search with ⌘F covers description, category and amount, either within the year or across all of them
• Transfers sit dimmed and labelled in the list, card refunds in green
• From the second account onwards the toolbar filters the list down to one of them
• A double click opens a row, and ⌥⌘← and ⌥⌘→ move you through the months

Savings rate, income, spending and investments, each against last year. Below that the monthly trend as a chart and as a table, because the table gives you the numbers the chart only hints at.

Saved means income minus spending here. Investments are not subtracted. Transfers between your own accounts drop out in both directions, or every payment into your savings account would look like an expense.

• One year or all years, switchable in the title bar
• Every table copies to the clipboard with ⌘C
• Colours never change meaning: income green, spending red, investments orange

Cash flow draws a year or a single month as a diagram. Income comes in on the left and moves on to the right: what was left over, what you invested and what you spent, down to the single category. The width of each band is the amount.

If you have marked categories as fixed costs, spending runs through fixed and variable costs first. Then you can see how much of your income was already committed before you decided anything.

• Double-click a category to open its transactions for the same period
• Small categories are grouped and can be expanded
• Above it sit the same totals as in Transactions

The spending view works out a monthly figure per category from the last twelve months. Two views, the same calculation: all categories, or only the ones you marked as fixed costs.

What counts as a fixed cost is your call. The app doesn't guess at it: whether your gym membership is fixed is something only you know.

• The trend shows whether a fixed cost has crept up over the months
• Jump from a category straight to the transactions behind it
• A gauge shows how much of your spending goes on fixed costs

You create what you own: current account, brokerage account, pension, the house, the mortgage. Each position gets a monthly value, and the mortgage is allowed to be negative.

Every position has a kind, and the kind decides how it is counted: freely available, locked until retirement, or never withdrawable at all.

• History per month, stacked per year
• Positions can be archived without dropping their values out of history
• The house you live in counts towards net worth, never towards the FIRE number

FIRE calculators on the web start by asking for your annual spending, your savings rate and your net worth. Parendi has all three already, from your transactions instead of your estimate.

What comes out is the point where your assets carry your spending. Everything in today's purchasing power, so the number means what it appears to mean. It stays a projection from assumptions you set yourself, and it is not financial advice.

• Two views: freely available assets only, or everything including pensions
• Why it takes two is on pillar 3a and FIRE
• Return, inflation and withdrawal rate are yours to set
• Progress arrives as a year, not as a bar