Overview
Problem
Household financial data is scattered across accounts, portals, and documents.
Back to Projects
Household FinanceData IntegrationDecision Support
2026 · beta · Working beta system
NOVA
Family CFO Operating System
A household financial dashboard for cash flow, obligations, assets, liabilities, and connected data.
Implementation
Built system
- Family CFO cockpit with household health, obligations, review actions, and cautious written insights
- Household cash-flow, budget, recurring-payment, and forecast model
- Source-aware asset, liability, liquidity, and insurance-awareness views
- Connected-source, document-ingestion, freshness, confidence, and exception model
Working Beta System
Five Family CFO operating views
Working beta screens using synthetic household data.
Family CFO Cockpit
A household operating view for attention, liquidity, obligations, and source-backed facts.
Net household position
₪1.96M
Estimated · includes home and retirement
Liquid cash
₪86,400
Connected bank and savings sources
Monthly cash position
+₪4,850
Forecast after recurring obligations
Upcoming obligations
₪15,720
Next 14 days · 4 items
CFO brief
Updated from 8 sourcesPotential duplicate insurance coverage detected.
Review needed
Mortgage and school payments create a tight cash-flow week.
Forecast
Emergency fund covers approximately 3.4 months of expenses.
Calculated
Retirement income estimate changed after latest pension import.
Estimated
Household health
Current viewLiquidity runway3.4 months
Source freshness82% current
Obligation coverage14-day view
Estimated retirement pension today: ₪10,900/month
Review actions
4 open- 1.Review potential insurance overlap
- 2.Upload latest pension clearinghouse report
- 3.Check unused-account result
- 4.Classify one recurring expense
Household Budget & Cash Flow
Practical monthly control across income, spending, recurring payments, and forecast.
Monthly income
₪31,800
Salary and recurring inflows
Actual expenses
₪26,950
85% of current plan
Expected month end
₪9,600
Forecast available balance
Unusual spend
₪1,240
Transport · review classification
Cash-flow forecast
Actual + expectedBank syncToday 08:42
Card syncToday 08:39
Forecast12 recurring items
Budget vs actual
Household categoriesHousing₪8,600
Groceries₪3,240
Transport₪2,180
Education₪2,950
Healthcare₪780
Insurance₪1,460
Subscriptions₪420
Leisure₪1,190
Recurring payments
Next 30 daysMortgage₪6,450 · Jun 15
School payment₪2,400 · Jun 17
Insurance premiums₪1,460 · Jun 20
Exception
Review neededTransport spending is above its recent monthly range. One ₪1,240 charge has low category confidence and needs classification.
Low-confidence classification
Wealth & Balance Sheet
A source-aware family capital model across assets, liabilities, and liquidity.
Total assets
₪2.82M
6 modeled asset groups
Total liabilities
₪742,600
Mortgage, loan, and card balances
Net position
₪2.08M
Estimated household balance sheet
Asset register
Source-aware valuesPrimary residence
Manual estimate
Pension funds
Document import
Training fund
Document import
Bank & savings
Connected source
Securities account
Statement import
Vehicle
Manual estimate
Liquidity structure
Estimated allocationLiquid₪220k
Semi-liquid₪280k
Retirement₪620k
Illiquid₪1.79M
Liabilities
3 trackedMortgage
Uploaded schedule
Car loan
Statement import
Credit cards
Connected source
Insurance & Protection Review
A cautious, document-backed view of household coverage and items requiring review.
Tracked policies
5
Life, health, disability, home, car
Monthly premiums
₪1,270
Synthetic household total
Review items
3
Potential overlap, stale source, renewal
Coverage register
Document-backed where availableHealth policy
Review neededHousehold · Har HaBituach upload
Life insurance
CurrentAdult A · Email extraction
Disability cover
Stale sourceAdult B · Manual entry
Home insurance
CurrentHousehold · Policy PDF
Car insurance
Renewal soonHousehold · Email extraction
Potential overlap
Cautious insightPotential overlap detected between two health riders. Review with a licensed professional.
Review needed · not advice
Protection data quality
Source confidenceDocument-backed4 of 5 policies
Fresh within 12 months3 of 5 policies
Owner assignedComplete
Documents
References onlyHealth policy summary.pdf
Home policy renewal.pdf
Har HaBituach import.xlsx
Connectors, Documents & Data Sources
The operating backend for provenance, freshness, extraction confidence, and exceptions.
Sources modeled
8
Connected and document-backed
Current sources
5
Within expected freshness
Exceptions
4
Missing, duplicate, or unclassified
Evidence files
23
Synthetic document index
Source registry
No credentials displayedBank accounts
API / scraper · Today 08:42
Credit cards
API / scraper · Today 08:39
Email inbox
Email extraction · Yesterday
Har HaBituach
Manual upload · May 28
Har HaKesef
Document import · Apr 19
Pension clearinghouse
Document import · Mar 31
Investment statement
PDF import · May 31
Tax annual summary
Spreadsheet · 2025
Import path
Representative flow1
Connect or upload
API, email, PDF, spreadsheet, scan
2
Extract and classify
Facts, source type, confidence, freshness
3
Review exceptions
Duplicates, missing reports, manual classification
4
Update operating views
Cash flow, balance sheet, protection, actions
Open exceptions
4 itemsBank login expired
Latest pension report missing
Possible duplicate insurance PDF
One recurring payment needs classification
Privacy boundary
Local-first conceptSource identity, freshness, and evidence references remain visible without exposing credentials or personal identifiers.
How it works
How the system works
- Banks, cards, uploads, email extraction concepts, and financial reports feed source-aware household facts
- Facts update cash-flow, budget, asset, liability, insurance-awareness, and obligation views
- Freshness, confidence, provenance, and document references remain visible beside important values
- Exceptions become review actions rather than automatic action prompts
- Local-first and privacy-aware assumptions keep credentials and personal identifiers outside the portfolio proof
System boundary
System boundary
NOVA is a working beta for household finance visibility and decision support. It organizes household financial information for review; interpretation and decisions remain with the household. It does not provide financial, investment, insurance, pension, tax, or legal advice.
Capabilities
System capabilities
Household operating view
Structures cash flow, obligations, assets, liabilities, protection, and review actions into one calm view.
Source-aware visibility
Keeps source type, freshness, confidence, documents, and exceptions visible alongside financial facts.
Cautious decision support
Surfaces review items and operating insights while keeping interpretation and action with the household.
Outcome
Result
A five-screen working beta system for bringing fragmented household financial data into one clear, source-aware view.
Why it matters
Practical value
NOVA keeps household data, sources, and review needs visible in one practical view.
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