Personal Finance OS

Your money data is scattered across bank apps, credit cards, notes, and old spreadsheets. Bills get paid reactively, subscriptions keep charging unnoticed, and debt payoff decisions are based on guesswork. You rebuild the same budget every month, then lose momentum because there is no repeatable review process. The fix is not another generic budgeting sheet. Personal Finance OS is a complete operating workflow that centralizes net worth tracking, budget automation, bill planning, subscription audits, savings-rate math, debt payoff sequencing, and monthly review decisions in one repeatable loop. It includes a named anti-pattern: No Forecast Without Reconciliation. The system refuses to project next month until current balances and transactions are reconciled, because stale inputs create false confidence and bad payoff choices. What you get: SKILL.md — full operating protocol and monthly runbook. NET_WORTH_TRACKER.csv — account-by-account asset and liability ledger with trend columns. BUDGET_AUTOMATION_TEMPLATE.csv — category budget engine with planned vs actual variance. BILL_CALENDAR_TEMPLATE.csv — due-date calendar with autopay status and reminder windows. SUBSCRIPTION_AUDIT_CHECKLIST.md — cancellation/keep framework with annualized cost impact. SAVINGS_RATE_CALCULATOR.xlsx — gross and net savings-rate calculator. DEBT_PAYOFF_TRACKER.xlsx — avalanche vs snowball comparison with payoff timeline. MONTHLY_FINANCIAL_REVIEW.md — decision template for monthly actions. External dependencies: spreadsheet tool (Google Sheets or Excel) and read access to your account statements.