personal-cfo

You can convert bank statement CSV or Markdown+JSON files into monthly financial statements by running an offline CLI audit. The tool generates an 8-bucket income statement, balance sheet, and cash flow summary from your latest transactions and assets.

Deterministic modeling for retirement glide path projections uses fixed inflation and return assumptions instead of stochastic forecasting. This approach runs long-horizon simulations from saved snapshots to provide non-professional investors with bias-free retirement readiness diagnostics year by year.

Yes, financial statement generation accepts Markdown+JSON inputs and pipe-table Markdown offline. It enforces deterministic Python computation and uses optional offline market anchors via cache or hardcoded fallbacks to avoid network variability during your audit.

To run a retirement projection simulation, execute the CLI with your saved snapshot, config.yaml rules, assets, and transactions. The tool projects year-by-year retirement readiness using deterministic return assumptions and inflation parameters defined in your configuration.

No, personal-cfo supports an offline mode to avoid network variability during retirement glide path tracking. It enforces deterministic computation in Python and uses optional offline market anchors via cache or hardcoded fallbacks instead of live data.

You need a config.yaml file to load user rules and define deterministic return assumptions for generating financial reports. The CLI uses this configuration alongside your transaction and asset CSV inputs to execute accurate monthly audits and projections.